Equifax was sued for violations of the Fair Credit Reporting Act (FCRA). Equifax moved to dismiss the plaintiff's claims on summary judgment and lost.
It is well settled in the Eleventh Circuit that consumers do not have a private cause of action under 15 U.S.C. 1681s-2(a). Chipka v. Bank of America, 355 Fed. Appx. 380 (11th Cir. 2009); Green v. RBS Nat’l Bank, 288 Fed. Appx. 641 (11th Cir. 2009); Antoine v. State Farm Mut. Auto. Ins. Co., 662 … Continue reading FAIR CREDIT REPORTING ACT (FCRA) GIVES CONSUMERS A PRIVATE CAUSE OF ACTION AGAINST FURNISHERS
In Burke v. Experian, Judge Anthony J. Trenga opined, "Credit is the lifeblood of the modern American economy and for the American consumer access to credit has become inextricably tied to consumer credit scores as reported by credit reporting agencies." In his opinion, Judge Trenga denied Experian's (a nationwide consumer reporting agency) Motion for Partial … Continue reading EXPERIAN SUMMARY JUDGMENT DENIED – JUDGE SAYS CREDIT IS THE LIFEBLOOD OF THE MODERN AMERICAN ECONOMY – EXPERIAN’S SUMMARY JUDGMENT DENIED