Source: https://www.creditreportproblems.com/inaccurate-apartment-rental-debt/
Timestamp: 2019-04-20 16:29:07+00:00

Document:
1. This is an action for damages brought by individual consumer, John Doe, against Trans Union, LLC, Experian Information Solutions, Inc., CSC Credit Services, Inc., and Allied Collection Services, (collectively “Defendants”), for violations of the Fair Credit Reporting Act (hereafter the “FCRA”), 15 U.S.C. §§ 1681, et seq., as amended, the Fair Debt Collection Practices Act, 15 U.S.C. §§ 1692, et seq. (hereafter the “FDCPA”) and various other common law rights.
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.
3. Venue lies properly in this district pursuant to 28 U.S.C. §1391(b).
4. Plaintiff John Doe is an adult individual residing in TX 77054.
5. Defendant Trans Union, LLC (hereafter “Trans Union”), is a business entity 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.
6. Defendant Experian Information Solutions, Inc. (hereafter “Experian”) is a business entity which regularly conducts business in Philadelphia County, Pennsylvania, and which has a principal place of business located at 5 Century Drive,Parsippany, New Jersey 07054.
7. Defendant CSC Credit Services, Inc. (hereafter “CSC”) is a business entity that regularly conducts business in Philadelphia County, Pennsylvania, and which has a principal place of business located at 62 N. Sam Houston Parkway East, Houston, TX 77060.
8. Defendant Allied Collection Service, Inc. (hereafter “Allied”) is a business entity regularly engaged in the business of collecting debts with its principal place of business located at 4230 LBJ Freeway, Suite 407, Dallas, TX 75244. The principal purpose of Allied is the collection of debts using the mails and telephone, and Allied regularly attempts to collect debts alleged to be due another.
9. Defendants have been reporting derogatory and inaccurate statements and information relating to Plaintiff and Plaintiff’s credit history to third parties (hereafter the “inaccurate information”).
10. The inaccurate information includes, but is not limited to, an account with Allied.
11. The inaccurate information negatively reflects upon Plaintiff, Plaintiff’s credit repayment history, Plaintiff’s financial responsibility as a debtor and Plaintiff’s credit worthiness. The inaccurate information consists of an amount and/or debt that does not belong to Plaintiff or which misrepresent the payment history and/or status of accounts that do belong to the Plaintiff as well as incorrect personal identifying information.
12. Defendants Trans Union, Experian and CSC have been reporting the inaccurate information through the issuance of false and inaccurate credit information and consumer credit reports that they have disseminated to various persons and credit grantors, both known and unknown.
13. Plaintiff has disputed the inaccurate information with Defendants Trans Union, Experian and CSC by written communications to their representatives and by the Defendants’ established procedure for disputing consumer credit information.
14. Plaintiff has disputed the inaccurate information with Defendants Trans Union, Experian and CSC from August 2010 through the present.
15. Notwithstanding Plaintiff’s efforts, Defendants Trans Union, Experian and CSC have sent Plaintiff correspondence indicating their intent to continue publishing the inaccurate information and Defendants continue to publish and disseminate such inaccurate information to other third parties, persons, entities and credit grantors. Defendants have repeatedly published and disseminated consumer reports to such third parties from at least August 2010 through the present.
16. Despite Plaintiff’s efforts, Defendants Trans Union, Experian and CSC have never: (1) contacted Plaintiff to follow up on, verify and/or elicit more specific information about Plaintiff’s disputes; (2) contacted any third parties that would have relevant information concerning Plaintiff’s disputes; (3) forwarded any relevant information concerning Plaintiff’s disputes to the entities originally furnishing the inaccurate information; and (4) requested or obtained any credit applications, or other relevant documents from the entities furnishing the inaccurate information.
17. Additionally, Plaintiff has repeatedly disputed the inaccurate information with Allied. Notwithstanding Plaintiff’s disputes, Allied has also failed to conduct timely and reasonable investigations of Plaintiff’s disputes after being contacted by the relevant credit reporting agencies concerning Plaintiff’s disputes, have willfully continued to report such inaccurate information to various credit reporting agencies, and have continued to attempt to collect monies from the Plaintiff regarding the inaccurate information by the aforementioned conduct.
18. Despite Plaintiff’s exhaustive efforts to date, Defendants have nonetheless deliberately, willfully, intentionally, recklessly and negligently repeatedly failed to perform reasonable reinvestigations of the above disputes as required by the FCRA, have failed to remove the inaccurate information, have failed to report on the results of its reinvestigations to all credit reporting agencies and have continued to report the derogatory inaccurate information about Plaintiff.
19. Plaintiff’s credit reports and file have been obtained from Defendants and have been reviewed many times by prospective and existing credit grantors and extenders of credit, and the inaccurate information has been a substantial factor in precluding Plaintiff from receiving many different credit offers and opportunities, known and unknown, and from receiving the most favorable terms in financing and interest rates for credit offers that were ultimately made.
20. As a result of Defendants’ conduct, Plaintiff has suffered actual damages in the form of (a) lost credit opportunities, (b) harm to credit reputation and credit score, and (c) emotional distress.
21. As a result of Defendants’ conduct, Plaintiff has suffered actual damages in the form of financial and dignitary harm arising from the injury to credit rating and reputation, and Plaintiff will continue to suffer the same for an indefinite time in the future, all to Plaintiff’s great detriment and loss.
22. As a result of Defendants’ conduct, Plaintiff has suffered actual damages in the form of mental pain and anguish, humiliation, embarrassment, anxiety, and frustration, and Plaintiff will continue to suffer the same for an indefinite time in the future, all to Plaintiff’s great detriment and loss.
23. As a result of Defendants’ conduct, Plaintiff has suffered actual damages in the form of injury to credit rating and reputation, and a decreased 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.
24. At all times pertinent hereto, Defendants were acting by and through their 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 Defendants herein.
25. At all times pertinent hereto, the conduct of the Defendants, as well as that of their 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.
27. At all times pertinent hereto, Defendants were “persons” and “consumer reporting agencies” as those terms are defined by 15 U.S.C. §§ 1681a(b) and (f).
28. At all times pertinent hereto, Plaintiff was a “consumer” as that term is defined by 15 U.S.C. § 1681a(c).
29. At all times pertinent hereto, the above-mentioned credit reports were “consumer reports” as that term is defined by 15 U.S.C. § 1681a(d).
(h) willfully and negligently continuing to report the inaccurate information despite having knowledge of its inaccuracy and/or inability to be verified.
31. The conduct of Defendants 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, Defendants are liable to Plaintiff for the full amount of statutory, actual and punitive damages, along with the attorneys’ fees and the costs of litigation.
32. Plaintiff incorporates the foregoing paragraphs as though the same were set forth at length herein.
33. At all times pertinent hereto Allied was a “person” as that term defined by 15 U.S.C. § 1681a(b).
(h) willfully and negligently failing to comply with the requirements imposed on furnishers of information pursuant to 15 U.S.C. §1681s-2(b).
35. Allied’s conduct was a direct and proximate cause, as well as a substantial factor, in causing the serious injuries, damages and harm to the Plaintiff that are outlined more fully above, and as a result Allied is liable to compensate Plaintiff for the full amount of statutory, actual and punitive damages, along with attorneys’ fees and costs, as well as such other relief, permitted by law.
37. Defendant Allied is a “debt collector” as defined by 15 U.S.C. §1692a(6) of the FDCPA.
38. Plaintiff is a “consumer” as defined by 15 U.S.C. § 1692a(3) of the FDCPA.
39. The above disputes by Plaintiff and the reporting of the inaccurate information to credit reporting agencies by Allied are “communications” relating to a “debt” as defined by 15 U.S.C. §§ 1692a(2) and 1692a(5) of the FDCPA.
40. Any alleged debts at issue arose out of a transaction which was primarily for personal, family or household purposes.
(c) Otherwise using false, deceptive, misleading and unfair or unconscionable means to collect or attempt to collect a debt from the Plaintiff.
42. Allied’s acts as described above were done with malicious, intentional, willful, reckless, wanton and negligent disregard for Plaintiff’s rights under the law and with the purpose of coercing Plaintiff to pay monies relating to the inaccurate information.
43. As a result of the above violations of the FDCPA, Allied is liable to Plaintiff in the sum of Plaintiff’s statutory damages, actual damages and attorneys’ fees and costs.
44. Plaintiff incorporates the foregoing paragraphs as though the same were set forth at length herein.
45. Defendants have published statements through writing to various creditors, prospective credit grantors, other credit reporting agencies, and other entities that the above-referenced derogatory inaccurate information belongs to the Plaintiff.
46. Defendants have published these statements each time a credit report on the Plaintiff has been requested from any creditor, prospective credit grantors furnisher or other source.
47. The statements made by the Defendants are false in that they inaccurately reflect Plaintiff’s credit information and debt repayment history, and paint Plaintiff as financially irresponsible and delinquent.
48. Defendants have published these statements to at least every single creditor, furnisher or prospective creditor or other entity that has requested Plaintiff’s credit report.
49. Defendants knew that the statements were false when made, and had no factual basis for making the statements, as Plaintiff has notified them repeatedly through writing, telephone communication and extensive documentation that the above inaccurate information was inaccurate for the reasons stated above.
50. Nonetheless, Defendants continued to publish the false and negative statements concerning the Plaintiff’s credit history up through the present time.
51. The written statements and publications constitute libel per se.
52. In addition, and despite the repeated notices from Plaintiff, Defendants have acted with malice by failing to communicate the information provided to them by Plaintiff to all creditors, prospective creditors, furnishers of information and all other entities to whom it provides credit information concerning the Plaintiff.
53. Defendants conduct was a direct and proximate cause, as well as a substantial factor, in bringing about the serious injuries, damages and harm to the Plaintiff that are outlined more fully above and, as a result, Defendants are liable to compensate the Plaintiff for the full amount of actual damages, compensatory damages and punitive damages, as well as such other relief, permitted under the law.
54. Plaintiff incorporates the foregoing paragraphs as though the same were set forth at length herein.
55. At the times pertinent hereto, Defendant Allied has published statements both orally and through writing to various credit reporting agencies, collection agencies and/or attorneys that are false and negative representations concerning Plaintiff’s credit information and history.
56. At a minimum, Defendant Allied has published these statements each time Plaintiff has notified Defendant Allied and other credit reporting agencies of Plaintiff’s dispute and each time a credit-reporting agency has reinvestigated the dispute.
57. The statements made by Defendant Allied, are false as outlined above.
58. Defendant Allied has published these statements to at least Defendants CSC, Experian, and Trans Union.
59. Defendant Allied knew that the statements were false when made and had no factual basis for making the statements, as Plaintiff had notified them that the statements were false for the above-mentioned reasons and, nonetheless, they continue to publish such statements up through the present time.
60. The written statements and publications constitute libel per se.
61. In addition, and despite the repeated notices from Plaintiff, Defendant Allied has acted with malice by failing to communicate the information provided to them by Plaintiff to credit reporting agencies when responding to the reinvestigation attempts of such credit reporting agencies.
62. The conduct of Defendant Allied was a direct and proximate cause, as well as a substantial factor, in bringing about the serious injuries, damages and harm to Plaintiff that are outlined more fully above and, as a result, Defendant Allied is liable to compensate Plaintiff for the full amount of actual, compensatory and punitive damages, as well as such other relief, permitted by law.
63. Plaintiff incorporates the foregoing paragraphs as if the same were set forth at length herein.
(j) Continuing to report the inaccurate information despite having knowledge of the inaccuracies and/or the inability to be verified.
65. As a result of Defendants above mentioned conduct, Plaintiff sustained and continues to sustain the losses and damages as set forth above.
66. The conduct of Defendants were a direct and proximate cause, as well as a substantial factor, in bringing about the serious injuries, damages and harm to Plaintiff that are outlined more fully above and, as a result, Defendants are liable to compensate the Plaintiff for the full amount of actual and compensatory damages, as well as such other relief, permitted under the law.
67. Plaintiff incorporates the foregoing paragraphs as if the same were set forth at length herein.
(g) Failing to delete or correct the inaccurate information.
69. As a result of Defendant Allied’s above mentioned conduct, Plaintiff sustained and continues to sustain the losses and damages as set forth above.
70. The conduct of Defendant Allied was a direct and proximate cause, as well as a substantial factor, in bringing about the serious injuries, damages and harm to Plaintiff that are outlined more fully above and, as a result, Defendant Allied is liable to compensate the Plaintiff for the full amount of actual and compensatory damages, as well as such other relief, permitted under the law.
71. Plaintiff demands trial by jury on all issues so triable.
(g) Such other and further relief as may be necessary, just and proper.

References: § 1681
 §1367
 §1391
 § 1681
 § 1681
 § 1681
 §1681
 §1692
 § 1692