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.

HOW TO DISPUTE CREDIT REPORT ERRORS

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

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

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

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

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