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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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Credit Furnisher DELL's Duty to investigate Credit Dispute

August 20, 2009 – 6:05 pm
IN THE UNITED STATES DISTRICT COURT  FOR THE EASTERN DISTRICT OF PENNSYLVANIA         JOHN L. DOHERTY, JR.    )              )    Plaintiff,     )   vs.           )                 )         Civil Action No. 07-3049 TRANS UNION, LLC, ET AL.   )        )        Defendants.   )        ) PLAINTIFF JOHN L. DOHERTY, JR.’S MEMORANDUM OF LAW IN SUPPORT OF HIS RESPONSE IN OPPOSITION TO DEFENDANT DELL FINANCIAL SERVICES’ MOTION FOR PARTIAL SUMMARY JUDGMENT  Plaintiff John L. Doherty, Jr., through counsel, hereby respectfully submits this Memorandum of Law in opposition to Defendant Dell Financial Services’ (“Dell”) Motion for Partial Summary Judgment (“Motion”) (Docket No. 23).  For the reasons below, the Motion should be denied. Plaintiff is a victim of identity theft at the hands of his estranged brother, William Doherty.  Defendant Dell is the company that permitted William Doherty to obtain at least two computers (one on a business credit account and a second on a consumer credit account) in Plaintiff’s name using his good credit.  It then proceeded to hold Plaintiff (not William Doherty) ...

Credit Reporting Agency's Many Duties in Mixed Credit File Cases

August 20, 2009 – 6:04 pm
IN THE UNITED STATES DISTRICT COURT  FOR THE EASTERN DISTRICT OF PENNSYLVANIA         CHRISTOPHER JUNG    )              )    Plaintiff,     )   vs.           )                 )         Civil Action No. 07-2514 TRANS UNION, LLC, et al.   )        )        Defendants.   )        ) PLAINTIFF CHRISTOPHER JUNG’S MEMORANDUM OF LAW IN SUPPORT OF HIS RESPONSE IN OPPOSITION TO DEFENDANT TRANS UNION, LLC’S MOTION FOR SUMMARY JUDGMENT  Plaintiff Christopher Jung, through counsel, hereby respectfully submits this Memorandum of Law in opposition to Defendant Trans Union, LLC’s (TU) Motion for Summary Judgment (Motion) (Docket Nos. 53, 54, 55).  For the reasons below, the Motion should be denied. I. INTRODUCTION Jung brought this consumer action seeking relief under the Fair Credit Reporting Act, 15 U.S.C. §§ 1681 et seq. (FCRA) and related common law claims against TU, one of the major consumer reporting agencies (CRA) in the world.  The parties stipulated to dismiss the common law claims so that they can streamline this matter for trial.  (See Docket No. 56) (submitted April 24, 2009).  The FCRA claims, therefore, are ...

Debt Collector's Duty to Mark Credit Account as Disputed

August 20, 2009 – 6:02 pm
IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA         LARKAY D. WESLEY    ) on behalf of herself and all others    ) similarly situated     )        ) C.A. No. 05-3523    Plaintiff,     )   vs.           )            )               )          CAVALRY INVESTMENTS, LLC  )  and      ) CAVALRY PORTFOLIO SVCS   )        ) CLASS ACTION    Defendants.   )         ) JURY TRIAL DEMANDED PLAINTIFF LARKAY D. WESLEY’S MEMORANDUM OF LAW IN SUPPORT OF HER RESPONSE IN OPPOSITION TO DEFENDANTS CAVALRY INVESTMENTS, LLC AND CAVALRY PORTFOLIO SVCS’S MOTION FOR JUDGMENT ON THE PLEADINGS Plaintiff Larkay D. Wesley, through counsel, hereby respectfully submits this Memorandum of Law in opposition to Defendants Cavalry Investments, LLC and Cavalry Portfolio Svcs’s (“Cavalry”) Motion for Judgment on the Pleadings (“Motion”).   For the reasons set forth below, the first part of Defendants’ Motion should be denied. I. INTRODUCTION This is a consumer class action brought under the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692, et seq. (“FDCPA”), a federal statute that prohibits debt collectors from engaging in abusive, deceptive and unfair collection practices.  Plaintiff claims that Defendants systematically violate the ...
 
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