Source: https://www.352law.com/news/amended-fcra-complaint-filed
Timestamp: 2019-04-21 18:49:34+00:00

Document:
to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
2. WILLIAMS lost at least two opportunities for employment after SCREENING SOLUTIONS wrongfully, repeatedly, and in violation of the procedures required by the FCRA, matched him with an individual named Ricky Williams, a convicted felon who had been convicted of criminal acts including burglary and assault and battery on a pregnant woman and included this match in a background report. This error was due to SCREENING SOLUTIONS failure to follow “reasonable procedures to assure maximum possible accuracy” of its consumer reports as mandated by 15 U.S.C. §1681e(b). SCREENING SOLUTIONS also improperly inserted previously deleted information in the credit file SCREENING SOLUTIONS created and maintained relating to WILLIAMS in violation of by 15 U.S.C. §1681i(a)(5)(B). Based on this wrongful match, SCREENING SOLUTIONS, which was also hired by RENT-A-CENTER and WINN-DIXIE to go beyond the functions of a credit reporting agency to make judgments about the hiring of WILLIAMS, determined that he was ineligible for employment with RENT-A-CENTER and WINN-DIXIE.
3. SCREENING SOLUTIONS further violated the Fair Credit Reporting Act by not providing WILLIAMS with the background report containing the match between WILLIAMS and Ricky Williams and with a written description of his rights under the FCRA before using such information to take the adverse action of determining that he was ineligible for employment. SCREENING SOLUTIONS thereby deprived WILLIAMS of an opportunity to dispute the erroneous match with Ricky Williams before it took the adverse action of judging him to be ineligible for employment. This was in violation of 15 U.S.C. §1681b(b)(3).
4. Moreover, both RENT-A-CENTER and WINN-DIXIE took the action of refusing to hire WILLIAMS for as long as SCREENING SOLUTIONS’ determination that WILLIAMS was ineligible for employment was pending. WILLIAMS attempted to convince RENT-A-CENTER and WINN-DIXIE that SCREENING SOLUTIONS had erroneously matched him with Ricky Williams and incorrectly determined that he was ineligible for employment but such attempts were futile as they were completely rebuffed without any consideration by RENT-A-CENTER and WINN-DIXIE which arbitrarily adhered to their refusal to hire WILLIAMS while the SCREENING SOLUTIONS’ determination was pending.Moreover, both RENT-A-CENTER and WINN-DIXIE quickly followed their refusal to hire WILLIAMS while SCREENING SOLUTIONS’ determination of ineligibility for employment was pending with a formal denial of employment. The adverse action taken by RENT-A-CENTER and WINN-DIXIE of refusing to hire WILLIAMS while the determination by SCREENING SOLUTIONS that WILLIAMS was ineligible for employment was pending was taken well before providing WILLIAMS with the consumer report on which the adverse action was based in violation of §1681b(b)(3). Moreover, RENT-A-CENTER and WINN-DIXIE’s adverse action in formally denying WILLIAMS employment without giving WILLIAMS sufficient time after the consumer report was received or a real opportunity to dispute the erroneous match between himself and Ricky Williams was also in violation of §1681b(b)(3).
5. This court has jurisdiction of this action pursuant to 15 U.S.C. §1681p and 28 U.S.C. §1331 in that all claims brought arise under the FCRA.
6. WILLIAMS is a natural person and a United States citizen and is and, at all material times, was a resident of Levy County, Florida, and is otherwise sui juris. WILLIAMS graduated from St. Leo University with a Bachelor of Arts degree in criminal justice and has lived his whole life at the same address in Chiefland, Levy County, Florida.
7. WILLIAMS is a consumer within the meaning of 15 U.S.C. §1681a(c) in that he was, at all material times, and is, an individual.
8. SCREENING SOLUTIONS is a foreign corporation that is authorized to, and doing business in, Levy County, Florida in the federal Northern District of Florida.
for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
10. RENT-A-CENTER EAST, INC. is a foreign corporation that is authorized to, and doing business in, Levy County, Florida in the federal Northern District of Florida.
11. WINN-DIXIE is a Florida corporation that is authorized to, and doing business in, Alachua County, Florida in the federal Northern District of Florida.
12. Venue is proper in this Court pursuant to 28 U.S.C. §1391(b) because a substantial part of the events or omissions giving rise to WILLIAMS’ claims occurred in the federal Northern District of Florida and one or more of the Defendants “resides” in the Northern District of Florida.
13. On or about February 20, 2012, WILLIAMS applied for a position with RENT-A-CENTER at its store in Chiefland in Levy County, Florida.
14. RENT-A-CENTER contracted with SCREENING SOLUTIONS to perform background checks of prospective employees and prepare a “background report” of the information gathered and to, based on that background report, make a judgment to determine whether a prospective employee was eligible for employment. A judgment of ineligibility for employment by SCREENING SOLUTIONS was tantamount to a decision not to hire the prospective employee by RENT-A-CENTER.
15. On or about February 28, 2012, SCREENING SOLUTIONS determined that WILLIAMS was “ineligible” for employment using the background report it prepared which was based on the consumer file it created and maintained relating to WILLIAMS in which it had matched WILLIAMS with a Ricky Williams who was arrested for selling cocaine in Palm Beach County in 2009 and for whom there was an outstanding bench warrant.
16. SCREENING SOLUTIONS provided this background report and determination of ineligibility for employment to RENT-A-CENTER on February 28, 2012. WILLIAMS is informed and believes that SCREENING SOLUTIONS provided this report to RENT-A-CENTER immediately, by electronic means, on that date.
17. On its website, SCREENING SOLUTION touts its “unmatched global [background] screening expertise.” However, SCREENING SOLUTIONS made the erroneous match between WILLIAMS and Ricky Williams and Ricky Williams’ arrest and bench warrant and determined that he was ineligible for employment with RENT-A-CENTER despite the fact that: (i) in 2009, WILLIAMS lived in Chiefland, Levy County, Florida which is approximately 300 miles away from Palm Beach County, Florida; (ii) that RICHARD and Ricky are different first names; (iii) that WILLIAMS used his middle name of Alexander or a middle initial “A” in any public records he completed and no middle name or middle initial appears in the criminal records for Ricky Williams by which SCREENING SOLUTIONS made the match with WILLIAMS; (iv) that “Williams” is a common name; and (v) that SCREENING SOLUTIONS had no indication of a match of social security numbers for the two persons. These are things that SCREENING SOLUTIONS could have reviewed to easily determine that WILLIAMS was not Ricky Williams.
18. WILLIAMS is not the Ricky Williams to whom he is matched in the background report prepared by SCREENING SOLUTIONS and he has never been arrested for selling cocaine in Palm Beach County or anywhere else and is not the subject of an outstanding bench warrant.
19. SCREENING SOLUTIONS also provided WILLIAMS with notice of its providing the erroneous match of WILLIAMS with Ricky Williams and his arrest for selling cocaine and bench warrant to RENT-A-CENTER. However, unlike the background report to RENT-A-CENTER which WILLIAMS believes was delivered immediately by electronic means, this notice to WILLIAMS was sent on February 28, 2012 by regular mail and received several days later. See Exhibit “A” attached hereto.
20. On February 28, 2012, SCREENING SOLUTIONS, as agent for RENT-A-CENTER, also provided WILLIAMS with a copy of the erroneous background report it provided to RENT-A-CENTER determining that WILLIAMS was ineligible for employment and indicating the erroneous match to Ricky Williams and his arrest record along with a cover letter/notice on what appeared to be RENT-A-CENTER’s letterhead. Thus, this correspondence purported to be on behalf of RENT-A-CENTER but was actually sent by SCREENING SOLUTIONS. Included with this notice was a written description of a consumer’s right under the FCRA. A copy of this notice is attached hereto as Exhibit “B.” This notice was sent via regular mail and received several days later even though, again, WILLIAMS believes that the erroneous background report was delivered immediately by electronic means to RENT-A-CENTER on February 28, 2012. Thus, by the time WILLIAMS actually received this notice it was several days after the adverse action taken on or about February 28, 2012.
21. This notice stated that “LexisNexis Screening Solutions did not make this employment decision….” However, this statement was false and deceptive as SCREENING SOLUTIONS had determined that WILLIAMS was ineligible for employment.
22. It was not until receiving the above-referenced report and notices days after February 28, 2012, that WILLIAMS first discovered that SCREENING SOLUTIONS had erroneously determined that he was ineligible for employment and matched with Ricky Williams and his arrest record and outstanding bench warrant.
23. After receiving the above-referenced erroneous background report and notices, WILLIAMS promptly contacted SCREENING SOLUTIONS to dispute the erroneous match advising SCREENING SOLUTIONS that he was not Ricky Williams and had not been arrested for selling cocaine in 2009 nor was he the subject of a bench warrant.
24. Unfortunately, RENT-A-CENTER refused to hire WILLIAMS for as long as SCREENING SOLUTIONS’ February 28, 2012 determination that WILLIAMS was ineligible for employment was pending. Attempts by WILLIAMS to convince RENT-A-CENTER that SCREENING SOLUTIONS had erroneously matched him with Ricky Williams were futile as they were completely rebuffed without any consideration by RENT-A-CENTER which arbitrarily adhered to its refusal to hire WILLIAMS while the SCREENING SOLUTIONS determination was pending. Indeed, Sylvia Bazan, an employee of RENT-A-CENTER in its Human Resources department expressed doubt when WILLIAMS told her he was not the Ricky Williams in the report. Moreover, RENT-A-CENTER quickly followed its refusal to hire WILLIAMS while SCREENING SOLUTIONS’ determination of ineligibility for employment was pending with a formal denial of employment.
25. WILLIAMS had progressed through several stages of the employment application process with RENT-A-CENTER including having had an interview. WILLIAMS is informed and believes that, but for the erroneous match made by SCREENING SOLUTIONS between WILLIAMS and Ricky Williams and his arrest record and Bench warrant along with SCREENING SOLUTIONS’ adjudication of WILLIAMS as ineligible for employment, he would have been hired by RENT-A-CENTER. See an E-mail sent by SCREENING SOLUTIONS on behalf of RENT-A-CENTER dated February 20, 2012 congratulating him on “being selected for the next step towards a great career with RENT-A-CENTER” and requesting such drug test attached hereto as Exhibit “C.” However, after it received SCREENING SOLUTIONS erroneous determination that WILLIAMS was not eligible for employment, Ms. Bazan told WILLIAMS he did not have sufficient experience to be qualified. WILLIAMS believes this statement was false and pretextual in that, as was its practice, RENT-A-CENTER only requested a background report and determination from SCREENING SOLUTIONS after it, or its agents, determined WILLIAMS was otherwise qualified. Due to the actions of SCREENING SOLUTIONS, instead of being gainfully employed by RENT-A-CENTER, WILLIAMS was unemployed.
27. On or about April 4, 2013, WILLIAMS applied to WINN-DIXIE for a position as a “liquor store team member” at its store in Gainesville, Alachua County, Florida.
28. Like the earlier situation with RENT-A-CENTER, WILLIAMS progressed through several stages of the application process including an interview and had, subject to submission of satisfactory proof of his identity, submission of satisfactory proof that he was legally authorized to work in the United States, and successful completion of a drug test and background check, been hired for such position.
29. Regrettably, like RENT-A-CENTER, WINN-DIXIE also contracted with SCREENING SOLUTIONS to perform background checks of prospective employees and prepare a “background report” of the information gathered and based on that background report, make a judgment whether a prospective employee was eligible for employment. A judgment of ineligibility for employment by SCREENING SOLUTIONS was tantamount to a decision not to hire the prospective employee by WINN-DIXIE.
30. Again, on its website, SCREENING SOLUTION touts its “unmatched global [background] screening expertise.” However, despite that fact that: (i) because of the prior notification by WILLIAMS, SCREENING SOLUTIONS knew that there is an individual who had been arrested for committing a felony and for whom there was an outstanding warrant with the same last name and the same birthdate as WILLIAMS named Ricky Williams and that the two should not be matched because they were not the same person; (ii) that WILLIAMS and Ricky Williams use different first names; (iii) that WILLIAMS used his middle name of Alexander or a middle initial “A” in any public records he filled out and there was no middle name or middle initial for Ricky Williams used appearing in the criminal records which SCREENING SOLUTIONS used to match him with WILLIAMS; (iv) that “Williams” is a common name; (v) that SCREENING SOLUTIONS had no indication of a match of social security numbers for the two persons; and (vi) that SCREENING SOLUTIONS, seemingly, based on what was listed in the Clerk of the Court’s records, in the consumer file it created and maintained relating to WILLIAMS, indicated a Delray Beach, Palm Beach County address for Ricky Williams whereas WILLIAMS had always lived in Chiefland, Levy County, Florida which is approximately 300 miles away from Delray Beach, SCREENING SOLUTIONS again had erroneously matched WILLIAMS with Ricky Williams based only on them having the same last name and date of birth.
31. SCREENING SOLUTIONS determined WILLIAMS ineligible for employment using the background report it prepared which was based on the consumer file it created and maintained relating to WILLIAMS in which it had matched WILLIAMS with Ricky Williams who had been convicted of burglary and aggravated battery on a pregnant woman in Broward County in 2004. Curiously, this conviction occurred approximately five years before the arrest of Ricky Williams SCREENING SOLUTIONS had reported to RENT-A-CENTER over a year earlier, yet this conviction did not appear in the background report SCREENING SOLUTIONS prepared for RENT-A-CENTER.
32. SCREENING SOLUTIONS provided this background report and determination of ineligibility for employment to WINN-DIXIE on April 25, 2013. WILLIAMS is informed and believes that SCREENING SOLUTIONS provided this report to WINN-DIXIE immediately, by electronic means, on April 25, 2013.
33. WILLIAMS is not the Ricky Williams to whom he was matched in this background report prepared by SCREENING SOLUTIONS and has never been convicted of burglary or aggravated battery on a pregnant woman or anyone else.
34. SCREENING SOLUTIONS provided WILLIAMS with notice of its providing the erroneous match of WILLIAMS with Ricky Williams and his conviction for burglary and aggravated battery on a pregnant woman in Broward County in 2004 to WINN-DIXIE. However, unlike the background report to WINN-DIXIE, which WILLIAMS believes was delivered immediately by electronic means, this notice was sent to WILLIAMS on April 25, 2013 by regular mail and it arrived several days later. See Exhibit “E” attached hereto.
35. On April 25, 2013, SCREENING SOLUTIONS, as agent for WINN-DIXIE, also provided WILLIAMS with a copy of the erroneous report it provided to WINN-DIXIE adjudicating RICHARD A. WILLIAMS ineligible for employment along with a cover letter/notice on what appeared to be WINN-DIXIE’s letterhead. Thus, this correspondence purported to be on behalf of WINN-DIXIE but was actually sent by SCREENING SOLUTIONS. Included with this notice was a written description of a consumer’s right under the FCRA. A copy of this notice is attached hereto as Exhibit “F.” This notice was sent via regular mail on April 25, 2013 even though, again, WILLIAMS believes that the erroneous background report was delivered immediately on that same date by electronic means to WINN-DIXIE. Therefore, WILLIAMS did not receive the notice until several days after the adverse action taken as to him described herein occurred on or about April 25, 2013.
36. The notice stated that “LexisNexis did not participate in any placement decision at Winn-Dixie…” However, this statement was false and deceptive as SCREENING SOLUTIONS had determined that WILLIAMS was ineligible for employment.
37. It was not until WILLIAMS received the above-referenced background report and notices on or about May 2, 2013, that WILLIAMS first discovered that SCREENING SOLUTIONS had again erroneously determined that he was ineligible for employment and matched him with Ricky Williams, this time with his conviction for burglary and battery on a pregnant woman.
38. On May 2, 2013, WILLIAMS contacted SCREENING SOLUTIONS to dispute the erroneous match advising SCREENING SOLUTIONS that he was not Ricky Williams and had not been convicted for burglary and aggravated battery on a pregnant woman in Broward County in 2004.
39. Unfortunately, WINN-DIXIE refused to hire WILLIAMS for as long as SCREENING SOLUTIONS’ April 25, 2013 determination that WILLIAMS was ineligible for employment was pending. Attempts by WILLIAMS to convince WINN-DIXIE that SCREENING SOLUTIONS had erroneously matched him with Ricky Williams were futile as they were completely rebuffed without any consideration by WINN-DIXIE which arbitrarily adhered to its refusal to hire WILLIAMS while the SCREENING SOLUTIONS’ determination was pending. Moreover, WINN-DIXIE quickly followed its refusal to hire WILLIAMS while SCREENING SOLUTIONS’ determination of ineligibility for employment was pending with a formal denial of employment.
40. WILLIAMS is informed and believes that, but for the erroneous match made by SCREENING SOLUTIONS between Ricky Williams and his conviction for burglary and aggravated battery on a pregnant woman in Broward County in 2004 and SCREENING SOLUTIONS adjudication of him as ineligible for employment, he would have been hired by WINN-DIXIE. Indeed, on April 23, 2013, WINN-DIXIE sent WILLIAMS an E-mail welcoming him as an employee to its “WINN-ing team!” A copy of this E-mail from WINN-DIXIE is attached hereto as Exhibit “G.” WILLIAMS would have had no difficulty submitting satisfactory proof of his identity, submitting satisfactory proof that he was legally authorized to work in the United States, passing a drug test and, if no errors were made, “passing” a background check as required to finalize his being hired by WINN-DIXIE.
43. WILLIAMS has fulfilled all conditions precedent to the bringing of the action.
44. WILLIAMS has been required to retain the undersigned attorneys and is obligated to pay them reasonable attorneys’ fees and costs.
paragraphs 1 through 8 and 11 through 44, above.
46. SCREENING SOLUTIONS made the matches between WILLIAMS and Ricky Williams based only on last name and date of birth.
47. In incorporating matches based only on last name and birthdate between WILLIAMS and Ricky Williams in its background reports while ignoring many easily reviewed identifying criteria which differentiated WILLIAMS from Ricky Williams and, as to the background report to WINN-DIXIE, ignoring the prior notice that Ricky Williams was not WILLIAMS, SCREENING SOLUTIONS violated 15 U.S.C. §1681e(b) by preparing consumer reports relating to WILLIAMS without following reasonable procedures to assure maximum possible accuracy of the information concerning WILLIAMS.
48. SCREENING SOLUTIONS willfully violated 15 U.S.C. §1681e(b) in that it actions were in reckless disregard of the requirements of this provision. Thus, SCREENING SOLUTIONS is liable for punitive damages pursuant to 15 U.S.C. §1681n.
49. In the alternative, SCREENING SOLUTIONS negligently violated 15 U.S.C. §1681e(b) which entitles WILLIAMS to a recovery under 15 U.S.C. §1681o.
50. SCREENING SOLUTIONS’ violations of the Fair Credit Reporting Act have caused great and irreparable injury to WILLIAMS. WILLIAMS has suffered damages including, but not limited to, loss of prospective employment and wages and benefits, lost economic opportunities and positions and advances in the future, damage to his reputation, humiliation, physical pain and suffering, emotional distress, lasting psychological damage, mental anguish, loss of capacity for enjoyment of life, embarrassment, and other losses that are continuing in nature.
WHEREFORE, pursuant to 15 U.S.C. §§ 1681n and o, WILLIAMS demands the entry of judgment against SCREENING SOLUTIONS for damages including punitive and/or exemplary damages, costs, pre and post judgment interest, attorney’s fees and such other relief as the court may deem necessary and appropriate.
51. WILLIAMS realleges and incorporates by reference the allegations contained in paragraphs 1 through 8 and 11 through 44, above.
C. failing to maintain reasonable procedures designed to prevent the reappearance in WILLIAMS’ consumer file, and in the background reports relating to WILLIAMS based on that consumer file, of the previously deleted match between WILLIAMS and Ricky Williams in violation of §1681i(a)(5)(C).
53. SCREENING SOLUTIONS willfully violated 15 U.S.C. §1681e(b) in that its action were in reckless disregard of the requirements of this provision. Thus, SCREENING SOLUTIONS is liable for punitive damages pursuant to 15 U.S.C. §1681n.
54. In the alternative, SCREENING SOLUTIONS negligently violated 15 U.S.C. §1681e(b) which entitles WILLIAMS to a recovery under 15 U.S.C. §1681o.
55. SCREENING SOLUTIONS’ violations of the Fair Credit Reporting Act have caused great and irreparable injury to WILLIAMS. WILLIAMS has suffered damages including, but not limited to, loss of prospective employment and wages and benefits, lost economic opportunities and positions and advances in the future, damage to his reputation, humiliation, physical pain and suffering, emotional distress, lasting psychological damage, mental anguish, loss of capacity for enjoyment of life, embarrassment, and other losses that are continuing in nature.
56. WILLIAMS realleges and incorporates by reference the allegations contained in paragraphs 1 through 44, above.
57. The FCRA provides that any person “using a consumer report for employment purposes” who intends to take any “adverse action based in whole or in part on the report,” must provide the consumer to whom the report relates a copy of the consumer report and a written description of the rights of a consumer under the FCRA before taking such adverse action. 15 U.S.C. §1681b(b)(3)(A).
58. An “adverse action” under 15 U.S.C. §1681b(b)(3)(A) includes “any…decision for employment purposes …that adversely affects any…prospective employees.” 15 U.S.C. §1681a(k)(1)(B)(ii). Alternatively, an adverse action is an action taken or determination is made in connection with an employment application made by consumer and adverse to the interest of the consumer within the meaning of 15 U.S.C. §1681a(k)(B)(iv).
59. Under the FCRA, a “person” includes a corporation under 15 U.S.C. §1681a(a).
60. SCREENING SOLUTIONS was hired by RENT-A-CENTER and WINN-DIXIE to go beyond the functions of a credit reporting agency to make determinations or judgments about the hiring of WILLIAMS.
61. In addition to being a “consumer reporting agency, SCREENING SOLUTIONS was also a “person” who took an adverse action relating to WILLIAMS when it determined that WILLIAMS was “ineligible” for employment.
62. The notices and reports SCREENING SOLUTIONS sent to WILLIAMS on February 28, 2012 and April 25, 2013 on behalf of RENT-A-CENTER and WINN-DIXIE were sent after SCREENING SOLUTIONS had already taken the adverse action of finding him ineligible for employment. Therefore, SCREENING SOLUTIONS took adverse action before providing WILLIAMS with the consumer report on which it was based or a written description of his rights under the FCRA thereby denying him the opportunity to dispute the erroneous match between himself and Ricky Williams before being denied employment in violation of §1681b(b)(3).
63. RENT-A-CENTER and WINN-DIXIE were “persons” who took adverse action relating to WILLIAMS when they determined not to hire him.
64. Moreover, both RENT-A-CENTER and WINN-DIXIE took the action of refusing to hire WILLIAMS for as long as SCREENING SOLUTIONS’ determination that WILLIAMS was ineligible for employment was pending. WILLIAMS attempted to convince RENT-A-CENTER and WINN-DIXIE that SCREENING SOLUTIONS had erroneously matched him with Ricky Williams and incorrectly determined that he was ineligible for employment but such attempts were futile as they were completely rebuffed without any consideration by RENT-A-CENTER and WINN-DIXIE which arbitrarily adhered to their refusal to hire WILLIAMS while the SCREENING SOLUTIONS’ determination was pending. Moreover, both RENT-A-CENTER and WINN-DIXIE quickly followed their refusal to hire WILLIAMS while SCREENING SOLUTIONS’ determination of ineligibility for employment was pending with a formal denial of employment. The adverse action taken by RENT-A-CENTER and WINN-DIXIE of refusing to hire WILLIAMS while the determination by SCRENNING SOLUTIONS that WILLIAMS was ineligible for employment was pending was taken well before providing WILLIAMS with the consumer report on which the adverse action was based in violation of §1681b(b)(3). Moreover, RENT-A-CENTER’s and WINN-DIXIE’s taking of the adverse action of formally denying employment without giving WILLIAMS sufficient time after the consumer report was received or a real opportunity to dispute the erroneous match between himself and Ricky Williams was also in violation of §1681b(b)(3).
65. These violations of the FCRA were willful or, in the alternative, were negligent.
66. SCREENING SOLUTIONS’, RENT-A-CENTER’s, and WINN-DIXIE’s violations of the Fair Credit Reporting Act have caused great and irreparable injury to WILLIAMS. WILLIAMS has suffered damages including, but not limited to, loss of prospective employment and wages and benefits, lost economic opportunities and positions and advances in the future, damage to his reputation, humiliation, physical pain and suffering, emotional distress, lasting psychological damage, mental anguish, loss of capacity for enjoyment of life, embarrassment, and other losses that are continuing in nature.
WHEREFORE, pursuant to 15 U.S.C. §§ 1681n and o, WILLIAMS demands entry of judgment against SCREENING SOLUTIONS, RENT-A-CENTER, and WINN-DIXIE for damages including exemplary and/or punitive damages, costs, pre and post judgment interest, and attorney’s fees and such other relief as the court may deem necessary and appropriate.
67. WILLIAMS realleges and incorporates by reference the allegations contained in paragraphs 1 through 8 and 11 through 44, above.
69. The notices and reports SCREENING SOLUTIONS sent to WILLIAMS on February 28, 2012 and April 25, 2013 on behalf of RENT-A-CENTER and WINN-DIXIE contained items of information on consumers which were matters of public record and were likely to have an adverse effect upon a WILLIAMS’ ability to obtain employment.
70. These notices and reports SCREENING SOLUTIONS sent to WILLIAMS were sent after SCREENING SOLUTIONS had reported such information to RENT-A-CENTER and WINN-DIXIE and SCREENING SOLUTIONS failed to maintain strict procedures designed to insure that whenever public record information which is likely to have an adverse effect on a consumer’s ability to obtain employment is reported it is complete and up to date. Accordingly, SCREENING SOLUTIONS has violated 15 U.S.C. §1681k(a).
71. These violations of the FCRA were willful or, in the alternative, were negligent.
72. SCREENING SOLUTIONS’ violations of the Fair Credit Reporting Act have caused great and irreparable injury to WILLIAMS. WILLIAMS has suffered damages including, but not limited to, loss of prospective employment and wages and benefits, lost economic opportunities and positions and advances in the future, damage to his reputation, humiliation, physical pain and suffering, emotional distress, lasting psychological damage, mental anguish, loss of capacity for enjoyment of life, embarrassment, and other losses that are continuing in nature.
WHEREFORE, pursuant to 15 U.S.C. §§ 1681n and o, WILLIAMS demands entry of judgment against SCREENING SOLUTIONS for damages including exemplary and/or punitive damages, costs, pre and post judgment interest, and attorney’s fees and such other relief as the court may deem necessary and appropriate.
WILLIAMS demands a trial by jury of all issues so triable.

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