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

DEBT COLLECTORS’ NEW CREDIT REPORTING POLICY SHORTENS TIME FOR NEGATIVE CREDIT INFORMATION

Debt Collectors' New Credit Reporting Policy Shortens Time for Negative Credit Information on Consumers' Credit Reports Encore Capital Group, Inc. announced a change in its credit reporting policies for consumers.  Encore's subsidiaries include: Midland Credit Management; Midland Funding, Asset Acceptance; Atlantic Credit & Finance. According to the Encore press release, "A significant challenge with current … Continue reading DEBT COLLECTORS’ NEW CREDIT REPORTING POLICY SHORTENS TIME FOR NEGATIVE CREDIT INFORMATION

CFPB TAKES ACTION AGAINST EQUIFAX AND TRANS UNION CREDIT BUREAUS

The Consumer Financial Protection Bureau (CFPB) took action against Equifax, Trans Union and their subsidiaries for deceiving consumers about the usefulness and actual cost of credit scores sold to consumers.  According to the CFPB papers, Equifax and Trans Union also lured consumers into costly recurring payments for credit related products with false promises. The CFPB ordered … Continue reading CFPB TAKES ACTION AGAINST EQUIFAX AND TRANS UNION CREDIT BUREAUS

Court Denies RentGrow’s Motion to Dismiss Under Spokeo

In a recent decision, a district court denied a user's motion to dismiss citing Spokeo under the Fair Credit Reporting Act ("FCRA"). Green, III v. Rentgrow, Inc. and Trans Union, LLC, Case No.: 2:16-cv-421 (E.D. Va, Nov. 10, 2016). Facts:  Walter Green, III, received a credit monitoring alert that RentGrow obtained a copy of his … Continue reading Court Denies RentGrow’s Motion to Dismiss Under Spokeo

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CREDIT REPORT ERRORS – PUBLIC RECORD ERRORS – PAID JUDGMENTS & LIENS

Do you have errors on a credit report or background report? We help consumers with false information on credit reports and background reports. Call 800-263-9091 24/7 for free case review.

COURT DENIES TRANS UNION’S MOTION TO STAY FCRA CLASS ACTION

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

COURT GRANTS SUMMARY JUDGMENT UNDER FCRA FOR QUICKEN

Kingery v. Quicken Loans (S.D. West Virginia, Charleston Division) Date of Opinion: June 04, 2014 Facts: Plaintiff sent a loan inquiry in April 2010 to MortgageLoans.com who identified Quicken Loans, among others, as a potential lender. Quicken uses a software for their inquiry process, Loan Origination and Lead Allocation “LOLA”, to track, deliver and find … Continue reading COURT GRANTS SUMMARY JUDGMENT UNDER FCRA FOR QUICKEN

ID THEFT LAWYER, MICAH ADKINS RECOGNIZED BY SUPER LAWYERS AS 2014 RISING STAR

Super Lawyers, a national lawyer rating service, recognized Micah Adkins as a 2014 Rising Star for Consumer Law.  The selection process included identification of professional achievement by peer evaluations and independent research.  The Super Lawyer recognition is limited to 5% of the  lawyers in the state.  Super Lawyers Magazine is published in all 50 states and Washington, D.C., … Continue reading ID THEFT LAWYER, MICAH ADKINS RECOGNIZED BY SUPER LAWYERS AS 2014 RISING STAR

3 STEPS TO DISPUTE CREDIT REPORT ERRORS

Do you know how to dispute credit report errors? Credit report errors can keep you from getting approved for credit, insurance or a job.  Credit report errors may appear on your credit report for many reasons, including identity theft, mixed files, creditor errors and public record errors.  Whatever the reason, you should dispute the errors … Continue reading 3 STEPS TO DISPUTE CREDIT REPORT ERRORS