California Complaint Against Experian and CCO Mortgage Corp. for Reporting Inaccurate Information on Consumer’s Credit Report

December 28, 2011 – 3:54 pm
  UNITED STATES DISTRICT COURT CENTRAL DISTRICT OF CALIFORNIA John Doe   Plaintiff,   vs.   EXPERIAN INFORMATION SOLUTIONS, INC. and CCO MORTGAGE CORPORATION   Defendants.     Civil Action No.                                    Complaint for Violations of    Fair Credit Reporting Act   Demand for Jury Trial     I. Preliminary Statement This is an action for damages brought by an individual consumer against the Defendants for violations of the Fair Credit Reporting Act (hereafter the “FCRA”), 15 U.S.C. §§ 1681, et seq., as amended. II.      Jurisdiction and Venue Jurisdiction of this Court arises under 15 U.S.C. § 1681p and 28 U.S.C. §§ 1331. Venue lies properly in this district pursuant to 28 U.S.C. § 1391(b). III.            Parties Plaintiff is an adult individual who resides in Ohio . Defendant Experian Information Solutions, Inc. (hereafter “Experian”) is a business entity and consumer reporting agency that regularly conducts business in the state of California, and which has its headquarters and a principal place of business located at 475 Anton Boulevard, Costa Mesa, CA  92626. Defendant, CCO Mortgage Corporation (“CCO”) is a business ...

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Pennsylvania Complaint Against Temple University for Reporting Inaccurate Account on Consumer’s Credit Report

December 28, 2011 – 3:44 pm
IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA     John Doe             Plaintiff,   v.   TEMPLE UNIVERSITY             Defendant.   ) ) ) ) ) ) ) ) ) ) )     Civil Action No.             COMPLAINT     This is an action for damages brought by an individual consumer,  against Temple University (“Defendant”), for violations of the Fair Credit Reporting Act (hereinafter the “FCRA”), 15 U.S.C. §§ 1681, et seq.. The Parties   Plaintiff  is an adult individual residing in Philadelphia, Pennsylvania. Defendant, Temple University (hereafter “Temple”) is an entity that regularly conducts business in the Eastern District of Pennsylvania, and which has a principal place of business located at 1801 N. Broad Street, Philadelphia, Pennsylvania 19122. JURISDICTION & Venue   Jurisdiction of this Court arises under 15 U.S.C. § 1681p and 28 U.S.C. § 1331. Venue lies properly in this district pursuant to 28 U.S.C. § 1391(b).     Factual Allegations   Defendant has been reporting derogatory and inaccurate statements and information relating to Plaintiff and Plaintiff’s credit history to third partie (hereafter the “inaccurate information”). The inaccurate information includes, but is not limited ...

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Pennsylvania Complaint Against Trans Union for Misreporting a False Tax Lien on Consumer’s Credit Report

December 28, 2011 – 3:36 pm
IN THE UNITED STATES DISTRICT COURT IN THE EASTERN DISTRICT OF PENNSYLVANIA     John Doe             Plaintiff,   v.   TRANS UNION, LLC             Defendant.                             ) ) ) ) ) ) ) ) ) ) )     Civil Action No.         Complaint   Preliminary Statement   This is an action for damages brought by individual consumer, against the Defendant for violations of the Fair Credit Reporting Act (hereinafter the “FCRA”), 15 U.S.C. §§ 1681, et seq., as amended. The Parties   Plaintiff,  is an adult individual residing in Alabama. Defendant, Trans Union, LLC (hereafter “Trans Union”), is a business entity which regularly conducts business in the Eastern District of Pennsylvania, Philadelphia County, and which has a principal place of business located at 1510 Chester Pike, Crum Lynne, PA 19022. JURISDICTION & Venue   Jurisdiction of this Court arises under 15 U.S.C. § 1681p and 28 U.S.C. § 1331, and supplemental jurisdiction exists for the state law claims pursuant to 28 U.S.C. § 1367. Venue lies properly in this district pursuant to 28 U.S.C. § 1391(b). Factual Allegations   Defendant has been reporting derogatory and inaccurate statements and ...

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Pennsylvania Complaint Against Trans Union and Experian for Reporting Inaccurate NCO Accounts and False Tax Liens on Consumer’s Credit Reports

December 28, 2011 – 3:32 pm
IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA                                                                                     John Doe                                                                                                               Plaintiff,                                                       vs.                                                                                                                                                                                                                  Civil Action No. TRANS UNION, LLC   and EXPERIAN INFORMATION SOLUTIONS, INC.,                                     Defendants.                                                                                                           COMPLAINT   I.     Preliminary Statement 1.         This is an action for damages brought by an individual consumer against the Defendants for violations of the Fair Credit Reporting Act (hereafter the “FCRA”), 15 U.S.C. §1681 et seq., as amended. II.     Jurisdiction and Venue 2.         Jurisdiction of this Court arises under 15 U.S.C. § 1681p, 28 U.S.C. §1331, 1337, and supplemental jurisdiction exists for the state law claims pursuant to 28 U.S.C. §1367. Venue lies properly in this district pursuant to 28 U.S.C. §1391(b).   III.     Parties Plaintiff  is an adult individual who resides in New Jersey. 5.         Defendant Trans Union, LLC (hereafter “TU”) is a business entity that regularly conducts business in Philadelphia County, Pennsylvania, and which has a principal place of business located ...

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Florida Complaint Against Citi Mortgage, Inc. for Trying to Collect False Debt that Consumer Never Owed by Harassing Consumer with Automated Call to Cell Phone

December 28, 2011 – 3:23 pm
IN THE UNITED STATES DISTRICT COURT FOR THE SOUTHERN DISTRICT OF FLORIDA    Jane Doe             Plaintiff,   v.   CITI MORTGAGE, INC.             Defendant.   )) ) ) ) ) ) ) ) ) )    Civil Action No.   Complaint   This is an action for damages brought by an individual consumer for Defendant’s violations of the Telephone Consumer Protection Act, 47 U.S.C. §§ 227, et seq. (hereafter the “TCPA”), and other common law claims.  These laws prohibit debt collectors from engaging in abusive, deceptive, and unfair collection practices. PARTIES   Plaintiff  is an adult individual residing in Florida . Defendant Citi Mortgage, Inc. is a business entity which regularly conducts business in the Southern District of Florida with its principal office located at MS 945, 1000 Technology Drive, O’Fallon, Missouri 63368-2240. JURISDICTION AND VENUE The matter in controversy here exceeds $75,000.00. Jurisdiction of this Court arises under 28 U.S.C. § 1332. Venue lies in this district pursuant to 28 U.S.C. § 1391(a).     FACTUAL ALLEGATIONS   At all pertinent times hereto, Defendant was collecting a debt purportedly owed to Defendant (hereafter the “debt”). The alleged debt ...

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Pennsylvania Complaint Against Cawley & Bergmann, LLP for Harassing Consumer and Violating the Fair Debt Collection Practices Act.

December 28, 2011 – 3:15 pm
IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA     John and Jane Doe             Plaintiffs,   v.   CAWLEY & BERGMANN, L.L.P.             Defendant. ) ) ) ) ) ) ) ) ) ) ) )     Civil Action No.   Complaint   This is an action for damages brought by individual consumers for Defendant’s violations of the Fair Debt Collection Practices Act, 15 U.S.C. § 1692, et seq. (hereafter the “FDCPA”) and the Pennsylvania Fair Credit Extension Uniformity Act, 73 P.S. § 2270.1 et seq. (hereafter the “FCEUA”), constituting unfair and deceptive acts and practices under the Pennsylvania Unfair Trade Practices and Consumer Protection Law, 73 P.S. § 201-1, et seq. (hereafter the “UTPCPL”). These laws prohibit debt collectors from engaging in abusive, deceptive, and unfair collection practices. JURISDICTION AND VENUE   Jurisdiction of this Court arises under 15 U.S.C. § 1692k(d), 28 U.S.C. § 1331, 1337, and supplemental jurisdiction exists for the state law claims pursuant to 28 U.S.C. § 1367. Venue lies in this district pursuant to 28 U.S.C. § 1391(b). PARTIES   Plaintiffs are married adult ...

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Francis & Mailman in the news: “US Moves To Intervene In FCRA Constitutionality Fight”

November 15, 2011 – 3:57 pm
Law360, New York (November 14, 2011, 6:57 PM ET) -- The U.S. government moved to intervene in a proposed class action on Monday after the defendant, a consumer reporting agency accused of providing prohibited criminal information to an employer, claimed the Fair Credit Reporting Act was unconstitutional. The plaintiff, Shamara T. King, sued General Information Services Inc. in Pennsylvania federal court in November 2010, claiming violations of the FCRA. King claimed that when she applied for a job at the U.S. Postal Service in 2010, GIS performed a background check that included details about her arrest for car theft in 2000, a violation of the FCRA's seven-year limit on such information. Under the FCRA, consumer reporting agencies cannot provide adverse information, except for criminal convictions, that predates the information request by more than seven years. GIS claims that the exclusion violates the First Amendment, claiming that adverse information like arrest records is truthful ...

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Your Credit History Is More Revealing Than You Think

November 2, 2011 – 3:14 pm
Time - Moneyland By Martha C. White November 1, 2011 The information in your credit report has long been used to predict how likely you are to pay credit card bills on time or remain current on your mortgage. But now credit information companies say they can figure out everything from how much discretionary income you have to how likely you’ll be to take medication as prescribed. It’s the next logical step for companies intent on finding new and lucrative ways to sell your personal data to marketers — but it’s also kind of creepy. “Any time companies collect information and put it in databases to make decisions about consumers, there is a privacy question,” Ed Mierzwinski, consumer advocate at US-PIRG, says via email. He urges financial regulators to take a harder look at some of these strange new scores. Credit bureau Equifax offers a product called a “discretionary spending index” that’s designed to help ...

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New Jeresy Complaint Against Experian, Equifax, and CSC Credit Services for Mixing False Accounts on Consumer’s Credit Report

October 6, 2011 – 3:13 pm
    IN THE UNITED STATES DISTRICT COURT FOR THE DISTRICT OF NEW JERSEY                                                                                       John Doe                                                                                                                                    Plaintiff,                                            Civil Action No.              vs.                                                                                                                                                                                                                   COMPLAINT EXPERIAN INFORMATION SOLUTIONS, INC.                                                             JURY TRIAL DEMANDED and                                                                                        NON-ARBITRATION EQUIFAX INFORMATION SERVICES, LLC and CSC CREDIT SERVICES, INC.                                                                         Defendants.                                                                                       I.     Preliminary Statement 1.         This is an action for damages brought by an individual consumer against the Defendants for violations of the Fair Credit Reporting Act (hereafter the “FCRA”), 15 U.S.C. §1681 et seq., as amended. II.     Jurisdiction and Venue 2.         Jurisdiction of this Court arises under 15 U.S.C. § 1681p, 28 U.S.C. §1331, 1337, and supplemental jurisdiction exists for the state law claims pursuant to 28 U.S.C. §1367. Venue lies properly in this district pursuant to 28 U.S.C. §1391(b).   III.     Parties 4.         Plaintiff  is an adult individual and citizen of the State of Texas. 5.         Defendant Experian Information Systems, Inc. is a business entity that regularly conducts business in the ...

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Pennsylvania Complaint Against Trans Union, Experian, and Equifax for Reporting Consumer as Dead and Deceased on Her Credit Report

October 6, 2011 – 3:06 pm
IN THE UNITED STATES DISTRICT COURT FOR THE EASTERN DISTRICT OF PENNSYLVANIA Jane Doe                                                                                                                    Plaintiff,                                                        vs.                                                                                                                TRANS UNION, LLC                                                       Civil Action No. and EXPERIAN INFORMATION SOLUTIONS, INC., and EQUIFAX INFORMATION SERVICES, INC.                                     Defendants.                                                                                                           COMPLAINT   I.     Preliminary Statement 1.         This is an action for damages brought by an individual consumer against the Defendants for violations of the Fair Credit Reporting Act (hereafter the “FCRA”), 15 U.S.C. §1681 et seq., as amended. II.     Jurisdiction and Venue 2.         Jurisdiction of this Court arises under 15 U.S.C. § 1681p, 28 U.S.C. §1331, 1337, and supplemental jurisdiction exists for the state law claims pursuant to 28 U.S.C. §1367. Venue lies properly in this district pursuant to 28 U.S.C. §1391(b).   III.     Parties Plaintiff  is an adult individual who resides in  OH . 5.         Defendant Trans Union, LLC is a business entity that regularly conducts business in Philadelphia County, Pennsylvania, and which has a principal place of business located at 1510 ...

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