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.
Equifax’s Motion for Partial Judgment on the Pleadings Denied In Brooks v. Equifax, the court denied Equifax’s Motion for Partial Judgment on the Pleadings. In her complaint, plaintiff alleged she settled an account with Wells Fargo, but Equifax did not update her credit report to show that no balance was owed on the account. About … Continue reading FCRA CASE LAW UPDATE – NO THIRD PARTY DISCLOSURE REQUIRED UNDER 1681e(b) IN 9TH CIRCUIT – Equifax’s Motion for Partial Judgment Denied
Got Credit Report Errors? Do you know how to dispute credit report errors?
JASON'S DELI ANNOUNCES DATA BREACH According to Patch.com, the restaurant chain announced today that it received notice from payment processors that Jason's Deli customers had "a large quantity of payment card information for sale on the "dark web'". At this time, it is unknown how many stores or customers are included or affected by the … Continue reading BREAKING ID THEFT NEWS – JASON’S DELI ANNOUNCES DATA BREACH
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
The trial court acknowledged Synchrony’s claims shared facts in common; however, because the plaintiff’s claims were made under federal law, the FCRA, and the FCRA does not “expressly or impliedly provide a right to indemnity,” the court denied Synchrony’s motion for leave to file the third party complaint. Accordingly, “[f]rom a policy standpoint, therefore, it is difficult to conjure up support for a rule which would allow a furnisher to bring an indemnification action.”
CREDIT REPORT DISPUTE LAWYER - Under the Fair Credit Reporting Act (FCRA), there is no private cause of action under 15 U.S.C. § 1681s-2(a). In other words, consumers cannot successfully sue furnishers for reporting false information under the FCRA.