Do you know how to order your free credit reports from Equifax, Experian and Trans Union? We help our clients learn how to order free credit reports and to dispute credit report errors.
Got Credit Report Errors? Do you know how to dispute credit report errors?
The FCRA's willfulness standard favors consumers, especially when defendants have information that corroborates the consumer's dispute.
Consumers often contact the Adkins Firm and ask how to get their free credit reports. The Fair Credit Reporting Act (FCRA) is a federal law that gives consumers the right to a free credit report under several circumstances. One of the most important and basic rights for consumers under the FCRA is the right to … Continue reading HOW TO ORDER YOUR CREDIT REPORTS FOR FREE
PUBLIC RECORD ERRORS AND CREDIT REPORTS Consumers often contact The Adkins Firm because they have public record errors on their credit reports. Public records may include judgments and liens, such as tax liens. After a judgment or a lien is filed with the court, consumer reporting agencies include the public record information on the consumer’s credit … Continue reading PUBLIC RECORD ERRORS AND CREDIT REPORTS
Credit report errors can cause credit denials. According to the Federal Trade Commission, one out of five consumers have credit report errors. Credit report errors are often the result of mixed credit files. A mixed credit report is a credit report that contains information about more than one consumer. Mixed files are common amongst … Continue reading CREDIT REPORT ERRORS CAN CAUSE CREDIT DENIALS
Owen's Motion to Dismiss FCRA Claims Denied A federal court denied Owen's Motion to Dismiss the plaintiff's claims under the Fair Credit Reporting Act (FCRA). Polvorosa v. Allied Collection Services, et al, U.S.D.C Nev. Jan. 3, 2017 Facts: The plaintiff Polvorosa, alleged that the defendants violated the Fair Credit Reporting Act (FCRA). In 2011, the … Continue reading OCWEN’S MOTION TO DISMISS FCRA CLAIMS DENIED
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On appeal, Hinkle argued the district court erred in granting summary judgment on her claims under the FCRA, including § 1681s-2(b) because Midland did not perform a reasonable investigation in response to her disputes. The 11th Circuit reviewed the district court’s finding that Midland satisfied its investigation duties under 1681s-2(b) when it: (1) double-checked the information that it had reported to the CRAs against its electronic files; and (2) sent Hinkle a letter stating that “it would be helpful to have a copy of any documentation [she] may have that supports [her] dispute.”
Court Denies Trans Union Motion to Stay in FCRA Class Action Case Dennis v. Trans Union, LLC, Dist. Court, ED Pennsylvania (Jan. 12, 2016) Consumer reporting agency Trans Union filed a motion to stay, in an effort to postpone legal proceedings for violation of the Fair Credit Reporting Act (“FCRA”). The Court denied Trans Union's motion because Trans … Continue reading COURT DENIES TRANS UNION’S MOTION TO STAY FCRA CLASS ACTION