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Reports Sold To Debt Collectors To Find Consumers Are Consumer Reports

April 20, 2010 – 8:05 pm
IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEW JERSEY Plaintiff, v. LEXISNEXIS RISK & INFORMATION ANALYTICS GROUP, INC., et al. Defendants. ) ) ______________________________________________________________________________ PLAINTIFF’S BRIEF IN OPPOSITION TO DEFENDANTS LEXISNEXIS RISK & INFORMATION ANALYTICS GROUP, INC. AND SEISINT, INC.’S MOTION FOR JUDGMENT ON THE PLEADINGS ______________________________________________________________________________ FRANCIS & MAILMAN, P.C. DONOVAN SEARLES, LLC Plaintiff respectfully submits this Brief in Response and Opposition to the Motion for Judgment on the Pleadings filed by Defendants LexisNexis Risk & Information Analytics Group, Inc. and Seisint, Inc. I. INTRODUCTION Although styled as a Motion for Judgment on the Pleadings (the “Motion”), Defendants’ Motion is in all reality an untimely and thinly-veiled second motion to dismiss.  While Defendants’ Answers deny the allegations of Plaintiff’s Amended Complaint, and discovery is proceeding to ferret out the parties’ stark factual disputes, Defendants instantly request the Court to accept those allegations as true, but find as a matter of law that Plaintiff does not state any claim against them ...

CRA’s Failure To Forward Consumer’s Dispute Documentation Liable Under FCRA

April 20, 2010 – 8:00 pm
IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA ) Plaintiff, vs. ) )         EXPERIAN INFO. SOLUTIONS, INC., et al. ) ) Defendants. ) ) PLAINTIFF’S MEMORANDUM OF LAW IN SUPPORT OF HER RESPONSE IN OPPOSITION TO DEFENDANT TRANS UNION, LLC’S AND DEFENDANT ASSOCIATED CREDIT AND COLLECTION BUREAU, INC.’S MOTIONS FOR SUMMARY JUDGMENT Plaintiff hereby respectfully responds in opposition to the motions for summary judgment filed by two of the Defendants in this matter -- Trans Union, LLC (“TU”) (Docket No. 41), a national consumer credit reporting agency or “CRA,” and Associated Credit and Collection Bureau, Inc. (“ACCB”) (Docket No. 38), a national debt collector and furnisher of credit information (collectively, “Defendants”). These Defendants damaged Plaintiff’s good name and credit by repeatedly confirming and allegedly “verifying” for years that Plaintiff owed $690 to an old landlord in the form of an ...

Public Records Vendors Who Sell Inaccurate Public Records Data Liable Under FCRA

April 20, 2010 – 7:57 pm
IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA Plaintiff, v. LEXISNEXIS RISK & INFORMATION ANALYTICS GROUP, INC., and REED ELSEVIER, INC. Defendants. ) PLAINTIFF’S MEMORANDUM OF LAW IN OPPOSITION TO DEFENDANTS LEXISNEXIS RISK & INFORMATION ANALYTICS GROUP, INC. AND REED ELSEVIER, INC.’S MOTION FOR SUMMARY JUDGMENT Plaintiff hereby respectfully responds in opposition to the motion for summary judgment (“Motion,” at Docket No. 71) filed by Defendants LexisNexis Risk & Information Analytics Group, Inc. (“LNRIAG”) and Reed Elsevier, Inc. (“Reed”) (collectively “Defendants” or “LexisNexis”).  For the reasons discussed below, the Motion should be denied. I. PRELIMINARY STATEMENT In a remarkable about-face, Defendants completely abandon their motion to dismiss defenses (where they argued that they are not regulated by the FCRA), and now seek summary judgment in their favor on the basis of FCRA “accuracy.”   Of course, Defendants did not have much of a choice in abandoning their original defenses since discovery proved all of the allegations ...

Public Record Company Acting As A Credit Reporting Agency

December 23, 2009 – 4:26 pm
IN THE UNITED STATES DISTRICT COURT EDWIN A. Plaintiff, v. EXPERIAN INFORMATION SOLUTIONS, INC., LEXISNEXIS RISK & INFORMATION ANALYTICS GROUP, INC., and REED ELSEVIER, INC. Defendants. ) ) ) ) ) ) ) ) ) ) ) ) ) ) ) Civil Action No. PLAINTIFF’S MEMORANDUM OF LAW IN OPPOSITION TO DEFENDANTS LEXISNEXIS RISK & INFORMATION ANALYTICS GROUP, INC. AND REED ELSEVIER, INC.’S MOTION TO DISMISS PLAINTIFF’S AMENDED COMPLAINT I. PRELIMINARY STATEMENT Plaintiff Edwin A. filed this lawsuit against LexisNexis Risk & Information Analytics Group, Inc. (“LNRIAG”) and Reed Elsevier, Inc. (“Reed”) (collectively “Moving Defendants” or “LexisNexis”) alleging claims for violation under the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. §§ 1681 et seq., negligence, defamation and invasion of privacy because Moving Defendants falsely reported to other consumer reporting agencies (“CRAs”) that a civil judgment had been taken out against Plaintiff, and then failed to correct the error after Plaintiff disputed the inaccuracy.  As detailed below, and contrary to Moving Defendants’ contentions, Plaintiff has pled sufficient facts and allegations to support each of his claims ...

Complaint Against Experian Credit Reporting Agency For Reporting Live Consumers As Deceased

December 23, 2009 – 4:22 pm
IN THE UNITED STATES DISTRICT COURT JOHN J., ) and ) AMANDA N., ) and ) CHARLES E., ) and ) CLARICE J., ) and ) NANCY M., ) and ) TONYA R., ) and ) LAURA ANNE, ) and ) LORI L., ) and ) CATHERINE, ) and ) BERNARD E., ) ) on behalf of themselves and all others ) similarly situated, ) ) Plaintiffs, ) Civil Action No. vs. ) ) JURY TRIAL DEMANDED EXPERIAN INFORMATION ) SOLUTIONS, INC. ) ) Defendant. ) ) CLASS ACTION COMPLAINT I.     PRELIMINARY STATEMENT 1. Defendant, a national consumer reporting agency (“CRA”), has been selling credit reports inaccurately marking Plaintiffs – and what is believed to be hundreds if not thousands of other American consumers – as “deceased,” when they are very much alive.  By reporting Plaintiffs as “deceased” Defendant is making it practically impossible for them to ...

Complaint Against Credit Repair Companies Violating State and Federal Credit Repair Laws

September 2, 2009 – 8:35 pm
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Equifax Credit Reporting Agency Fails to Investigate Public Record

September 2, 2009 – 8:18 pm
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Debt Collectors Improperly Calling Third Parties and Misrepresenting Purpose

September 2, 2009 – 8:16 pm
IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA MALIK HODGE, on behalf of himself and all others similarly situated Plaintiff, v. PREMIER CREDIT OF NORTH AMERICA, LLC Defendant. ) ) ) ) ) ) ) ) ) ) ) ) ) Civil Action No. 09-1644 Class Action ______________________________________________________________________________ MEMORANDUM OF LAW IN SUPPORT OF PLAINTIFF’S RESPONSE IN OPPOSITION TO DEFENDANT’S PARTIAL MOTION TO DISMISS OR STRIKE THE CLASS ACTION ALLEGATIONS OF THE AMENDED COMPLAINT ______________________________________________________________________________ FRANCIS & MAILMAN, P.C. JAMES A. FRANCIS GREGORY GORSKI Land Title Building, 19th Floor 100 South Broad Street Philadelphia, PA 19110 (215) 735-8600 TABLE OF CONTENTS PAGE I. PRELIMINARY STATEMENT ..............................................................................1 II. BACKGROUND ........................................................................................................3 A. Defendant Has No Permissible Basis To Call A Non-Debtor And Misrepresent The Reason For Its Call To Coerce Private Information About A Purported Debtor ..................................................................3 B. Defendant Uses A Standardized Telephone Call Script To Deceive Third Parties ..............................................................................................4 C. Plaintiff’s Amended Complaint Includes All The Necessary Elements To Adequately Allege A Class Action ....................................................5 III. LEGAL STANDARD .................................................................................................6 A. A Well Pled Complaint Need Only Allege Claims That Are Not “Speculative” To Defeat A Motion To Dismiss Pursuant To ...

Debt Collection Abuse Complaint Forcing Payment of Debt Not Owed

August 20, 2009 – 9:34 pm
FRANCIS & MAILMAN, P.C. BY: MARK D. MAILMAN, ESQUIRE ATTORNEYS FOR PLAINTIFF I.D. No. 77760 BY: JOHN SOUMILAS, ESQUIRE I.D. No. 84527 Land Title Building, 19th Floor 100 South Broad Street Philadelphia, PA 19110 (215) 735-8600 ________________________________________________________________________ : SEENA ROSENBERRY : COURT OF COMMON PLEAS 1732 S. Dover Street Columbus Day divx The Good Night : OF PHILADELPHIA COUNTY Philadelphia, PA 19145 : : : vs. : NO. : CONSUMER RECOVERY : ASSOCIATES, INC. : 2697 International Parkway : Virginia Beach, VA 23452 : ______________________________________________________________________________ COMPLAINT IN CIVIL ACTION 1. Plaintiff Seena Rosenberry is an adult individual residing at 1732 S. Doyer Street, Philadelphia, PA 19145. 2. Defendant Consumer Recovery Associates, LLC is a business entity regularly engaged in the business of collecting debts in this Commonwealth with its principal place of business located at 2697 International Parkway, Virginia Beach, VA 23452. The principal purpose of Defendant is the collection of debts using the mails and telephone, and Defendant regularly attempts to collect ...

CREDIT CARD RULES and REGULATIONS of 2009

August 20, 2009 – 6:07 pm
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