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 [...]

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 [...]

ADKINS FIRM OPENS SHOP IN HOUSTON, TEXAS

It's official!  The Adkins Firm has opened its Houston, Texas office.  The office is located in Houston's uptown district in the Williams Tower.  The office is easily recognized across the skyline as it is the 4th tallest building in Texas.  The Adkins Firm is located at 2800 Post Oak Blvd., Suite 4100, Houston, Texas 77056, [...]

How Do I Freeze My Credit Report?

Stop ID theft - add a credit freeze to your credit file.

11th CIRCUIT REVERSES SUMMARY JUDGMENT IN FAVOR OF PLAINTIFF’S CLAIMS UNDER THE FCRA

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.”

COMMUNITY HEALTH SYSTEMS (CHS) DATA BREACH EXPOSES MILLIONS OF PATIENTS’ PERSONAL IDENTIFYING INFORMATION (PII)

CHS Data Breach Puts Patients At Risk for ID Theft in Georgia, New Jersey, South Carolina and Tennessee Community Health Systems (CHS) was the target of at least two cyber attacks originating from China in April and June of 2014. The Tennessee-based healthcare organization, which owns, operates, and leases almost 200 hospitals across 29 different states1, confirmed that confidential, [...]

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 [...]

ID THEFT NEWS – WEEKLY UPDATE

Fair Credit Reporting Act Lawyers Help Identity Theft Victims Fair Credit Reporting Act (FCRA) lawyers help consumers with credit report errors.  FCRA lawyers also help victims of identity theft.  Over 12 million people become identity theft victims every year.  ID theft victims may discover they are a victim when they receive collection calls for debts they do [...]

ID THEFT NEWS – WEEKLY UPDATE

Identity Theft & the Fair Credit Reporting Act 12 million consumers a year become victims of identity theft.  The harmful effects of identity theft are life changing and last a lifetime.  Victims may not know their identity has been stolen until they receive calls from debt collectors, get denied credit or employment, or find credit [...]