Source: https://www.creditreportproblems.com/inaccuratley-reporting-consumer-deceased/
Timestamp: 2019-04-23 10:12:13+00:00

Document:
John Doe Plaintiff, v. Trans Union, LLC Defendant.
1. This is an action for damages brought by an individual consumer, John Doe, against Trans Union, LLC for violations of the Fair Credit Reporting Act (hereinafter the “FCRA”), 15 U.S.C. §§ 1681, et seq., as amended.
2. Plaintiff John Doe is an adult individual residing in Pennsylvania 19130.
3. Defendant, Trans Union, LLC (“Trans Union”), is a credit reporting business which regularly conducts business in Philadelphia County, Pennsylvania, and which has a principal place of business located at 1510 Chester Pike, Crum Lynne, PA 19022.
4. Jurisdiction of this Court arises under 15 U.S.C. § 1681p and 28 U.S.C. § 1331.
5. Venue lies properly in this district pursuant to 28 U.S.C. § 1391(b).
6. Defendant has been reporting derogatory and inaccurate statements and credit information relating to Plaintiff and Plaintiff’s credit history to third parties for at least thirteen years through 2010 (hereafter the “inaccurate information”).
8. Defendant failed to avoid the reporting of the inaccurate deceased remark, and failed to follow any reasonable procedure that would avoid an inaccurate deceased remark from appearing on Plaintiff’s credit report in this case.
9. Despite other data on the face of Plaintiff’s consumer report indicating that he is not deceased, and despite contacts from Plaintiff to Trans Union, Defendant employed no procedures to assure Plaintiff is actually deceased before placing the “deceased” remark on his report.
10. Once a “deceased” mark is placed on Plaintiff’s report, Defendant will not calculate and will not provide a credit score for him.
11. Nevertheless, Defendant continued to sell Plaintiff’s credit report to third parties with no credit score, despite a request by the purchaser of the report for his credit score.
12. Defendant further has failed to disclose to Plaintiff the source of the “deceased” information when Plaintiff requests a copy of his credit file.
14. Defendant charges third parties a fee for reports with a mark that a consumer is deceased as it would for any other reports.
15. Defendant profits from the sale of reports on the deceased.
16. Defendant knows that truly deceased consumers do not apply for credit. Defendant knows that the credit information and reports of truly deceased person are used by criminals to commit identity theft or credit fraud. Defendant knows that identity theft and credit fraud are serious and widespread problems in our society. Yet Defendant sells reports on the deceased to third parties without question, knowing that such reports contain a vast amount of personal identifying and credit account information on the supposedly deceased consumer, information that can be used in identity theft or for other fraudulent purposes.
17. The inaccurate information negatively reflects upon the Plaintiff and Plaintiff’s credit worthiness.
18. Trans Union has been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that it has disseminated to various persons and credit grantors, both known and unknown, through 2010.
19. Plaintiff has disputed the inaccurate information with Trans Union on several occasions, most recently in or around July 2010.
20. Notwithstanding Plaintiff’s efforts, Trans Union has sent Plaintiff correspondence which fails to correct the inaccurate information or even to address the account dispute made by Plaintiff. Nevertheless, Trans Union continues to publish and disseminate such inaccurate information to other third parties, persons, entities and credit grantors. Trans Union has repeatedly published and disseminated consumer reports to such third parties through 2010. In the August and September 2010 credit report that Trans Union sent to Plaintiff it fails to disclose the inaccurate information to him, even though it sells the same to third parties.
21. Despite Plaintiff’s efforts, Trans Union has never: (1) contacted Plaintiff to follow up on, verify and/or elicit more specific information about Plaintiff’s disputes; (2) contacted any non-furnisher third parties that would have relevant information concerning Plaintiff’s disputes; or (3) forwarded any relevant information concerning Plaintiff’s disputes to the entities originally furnishing the inaccurate information.
22. Despite Plaintiff’s efforts, Defendant has deliberately, willfully, intentionally, recklessly and negligently repeatedly failed to follow procedures that would correct the inaccurate information and permanently remove the inaccurate deceased remark from Plaintiff’s credit file and report.
23. Plaintiff’s credit reports and file have been obtained from Trans Union and have been reviewed by prospective and existing credit grantors and extenders of credit, and the inaccurate information has been a substantial factor in precluding Plaintiff from receiving credit offers and opportunities, known and unknown.
24. As a result of Defendant’s conduct, Plaintiff has suffered actual damages in the form of lost credit opportunities.
25. As a result of Defendant’s conduct, Plaintiff has suffered actual damages in the form of mental pain and anguish, humiliation and embarrassment, and Plaintiff will continue to suffer the same for an indefinite time in the future, all to Plaintiff’s great detriment and loss.
26. As a result of Defendant’s conduct, Plaintiff has suffered actual damages in the form of injury to credit rating and reputation, the complete loss of his credit score, and Plaintiff will continue to suffer the same for an indefinite time in the future, all to Plaintiff’s great detriment and loss.
27. At all times pertinent hereto, Defendant was acting by and through its agents, servants and/or employees who were acting within the course and scope of their agency or employment, and under the direct supervision and control of the Defendant herein.
28. At all times pertinent hereto, the conduct of the Defendant, as well as that of its agents, servants and/or employees, was malicious, intentional, willful, reckless, and in grossly negligent disregard for federal and state laws and the rights of the Plaintiff herein.
30. At all times pertinent hereto, Trans Union was a “person” and “consumer reporting agency” as those terms are defined by 15 U.S.C. § 1681a(b) and (f).
(d) willfully and negligently failing to disclose to Plaintiff all information in Plaintiff’s credit file and the source of the information, in violation of 15 U.S.C. § 1861g(a).
34. The conduct of Trans Union was a direct and proximate cause, as well as a substantial factor, in bringing about the serious injuries, actual damages and harm to Plaintiff that are outlined more fully above and, as a result, Trans Union is liable to Plaintiff for the full amount of statutory, actual and punitive damages, along with the attorneys’ fees and the costs of litigation, as well as such further relief, as may be permitted by law.
35. Plaintiff demands trial by jury on all issues so triable.
I need your HELP ASAP. I wanna sue the credit bureaus for false information on my credit report. It has been causing me a hardship. I can’t apply for anything . On the credit report it has 2 ppl social security numbers. They have a house in Florida. They have a mortgage with Citi Mortgage Inc. I have sent several letters 2 all companies. I have called City Mortgage. I just been getting the run around. It may me file bankruptcy. I’m experiencing so much right now.
Can someone please contact me as soon possible. Please feel free to call me at 973 223 8359 . I’m tired, stress and really losing my mind. I have a family to take care of and no one seems care.
Hello, We are Francis & Mailman, P.C. Consumer Law firm and provide consumers with a free case review. You may want to call us at 877-735-8600 to receive a free case review. We would be happy to speak with you.

References: v. 
 § 1681
 § 1331
 § 1391
 § 1681
 § 1861