Court Orders Trans Union to Produce Documents

A federal judge in the Southern District of Indiana granted plaintiff's motion to compel Trans Union's discovery responses. Background Plaintiff alleged Trans Union credit reported false information about him when Trans Union credit reported information that belonged to a different consumer. The plaintiff also alleged that Trans Union failed to correct the credit report errors … Continue reading Court Orders Trans Union to Produce Documents

What should I do if I am a victim of identity theft?

What should I do if I am a victim of identity theft? If you are a victim of identity theft, then you must read these 5 steps to correct credit report errors. Identity theft is the number one crime in America. In 2017, over 146 million Americans became identity theft victims because of the Equifax … Continue reading What should I do if I am a victim of identity theft?

HOW TO ORDER YOUR FREE CREDIT REPORTS FROM EQUIFAX, EXPERIAN AND TRANS UNION

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.

FCRA CASE LAW UPDATE – NO THIRD PARTY DISCLOSURE REQUIRED UNDER 1681e(b) IN 9TH CIRCUIT – Equifax’s Motion for Partial Judgment Denied

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

HOW TO DISPUTE CREDIT REPORT ERRORS

Got Credit Report Errors? Do you know how to dispute credit report errors?

BREAKING ID THEFT NEWS – JASON’S DELI ANNOUNCES DATA BREACH

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

FCRA WILLFULNESS STANDARD FAVORS CONSUMERS

The FCRA's willfulness standard favors consumers, especially when defendants have information that corroborates the consumer's dispute.

HOW TO ORDER YOUR CREDIT REPORTS FOR FREE

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

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

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