Source: https://www.creditreportproblems.com/pennsylvania-complaint-credit-bureaus/
Timestamp: 2018-12-13 21:05:49
Document Index: 34961220

Matched Legal Cases: ['§ 1681', '§ 1681', '§1681', '§1681', '§ 1681', '§1681', '§201', '§ 201', '§201', '§ 2270', '§ 2270', '§ 2270', '§ 201', '§ 1681']

Complaint Against Big 3 Credit Bureaus and AT&T for FCRA Violation
Pennsylvania Complaint Against All Three Credit Bureaus – Trans Union, Equifax, Experian and AT&T for Fair Credit Reporting Violations
July 20th, 2011 by krista
) Civil Action No. 10-1635
This is an action for damages brought by individual consumer, against Equifax Information Services LLC, Experian Information Solutions, Inc., Trans Union, LLC, and AT&T, Inc. (collectively “Defendants”), for violations of the Fair Credit Reporting Act (hereinafter the “FCRA”), 15 U.S.C. §§ 1681, et seq., and various other common law rights.
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.
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.
Defendant, AT&T, Inc. (hereafter “AT&T”) is a business entity which regularly conducts business in Philadelphia County, Pennsylvania and which has a principal place of business located at 208 S. Akard Street, Dallas, TX 75202.
The inaccurate information includes, but is not limited to, an account with AT&T.
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 the Plaintiff. Specifically, Plaintiff never authorized or consented to any telephone service by AT&T, and the derogatory AT&T account does not belong on Plaintiff’s credit reports who has otherwise excellent credit.
Equifax, Experian, and Trans Union 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.
Plaintiff has disputed the inaccurate information with Defendants by written communications to their representatives and by Equifax, Experian, and Trans Union’s established procedure for disputing consumer credit information.
Plaintiff has disputed the inaccurate information with Equifax, Experian and Trans Union from April 2009 through the present.
Notwithstanding Plaintiff’s efforts, Equifax, Experian and Trans Union have sent Plaintiff correspondence indicating their intent to continue publishing the inaccurate information and Equifax, Experian and Trans Union continue to publish and disseminate such inaccurate information to other third parties, persons, entities and credit grantors. Equifax, Experian and Trans Union have repeatedly published and disseminated consumer reports to such third parties from at least April 2009 through the present.
Despite Plaintiff’s efforts, Equifax, Experian and Trans Union 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.
Notwithstanding Plaintiff’s disputes, AT&T 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, has willfully continued to report such inaccurate information to various credit reporting agencies, and has failed to mark the above accounts as disputed.
Plaintiff’s credit reports and file have been obtained from Equifax, Experian, and Trans Union 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.
COUNT I –Equifax, experian, and Trans union–
At all times pertinent hereto, Equifax, Experian, and Trans Union were “persons” and “consumer reporting agencies” as those terms are defined by 15 U.S.C. § 1681a(b) and (f).
Pursuant to 15 U.S.C. §1681n and 15 U.S.C. §1681o, Equifax, Experian and Trans Union are liable to Plaintiff for engaging in the following conduct:
Count II – AT&T–
At all times pertinent hereto AT&T was a “person” as that term defined by 15 U.S.C. § 1681a(b).
AT&T violated sections 1681n and 1681o of the FCRA by engaging in the following conduct:
(b) willfully and negligently failing to review all relevant information concerning Plaintiff’s account provided to AT&T;
AT&T’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 AT&T 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.
COUNT IV–ALL DEFENDANTS- Negligence
(b) Failing to conduct a proper and reasonable reinvestigation concerning the inaccurate information after receiving notice of the dispute from Plaintiff
(l) Failing to review all relevant information concerning Plaintiff’s account that was sent from Equifax, Experian, and Trans Union;
(n) Failing to report the inaccurate status of the inaccurate information to all credit reporting agencies, including those agencies to whom AT&T originally furnished information; and
45. Plaintiff incorporates the foregoing paragraphs as though the same were set forth
46. Defendants above actions violated Plaintiff’s right of privacy by impermissibly accessing Plaintiff’s most private information and placing the Plaintiff in a false light before the eyes of others, including potential credit grantors and creditors as well as family, friends and the general public.
47. By such unauthorized invasion, publication and circulation of Plaintiff’s name and the inaccurate information Defendants invaded Plaintiff’s right to privacy, subjected Plaintiff to ridicule and contempt, injured Plaintiff’s personal esteem, reflected disgracefully on Plaintiff’s character, diminished Plaintiff’s high standing, reputation and good name among family, friends, neighbors and business associates, destroyed Plaintiff’s peace of mind, and caused Plaintiff severe mental and emotional distress.
48. The conduct of Defendants 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, Defendants are liable to compensate the Plaintiff for the full amount of actual, compensatory and punitive damages, as well as such other relief, permitted under the law.
COUNT VI – AT&T – VIOLATIONS OF THE CPL
55. Plaintiff incorporates the foregoing paragraphs as though the same were set forth at length herein.
56. Pursuant to 15 U.S.C. §1681s, any violation of the FCRA constitutes an unfair or deceptive act or practice in violation of the Pennsylvania Unfair Trade Practices and Consumer Protection Law, 73 P.S. §201.1 et seq. (“CPL”).
57. AT&T is a “person” as defined by § 201-2 of the Pennsylvania Unfair Trade Practices and Consumer Protection Law, 73 P.S. §201.1 et seq. (“CPL”).
58. Plaintiff is a “debtor” as defined by 73 P.S. § 2270.3 of the FCEUA.
59. The above disputes by Plaintiff, and the reporting of the inaccurate information to credit reporting agencies by AT&T are “communications” relating to a “debt” as defined by 73 P.S. § 2270.3 of the FCEUA.
60. Any alleged debts at issue arose out of a transaction which was primarily for personal, family or household purposes.
61. AT&T violated the Fair Credit Extension Uniformity Act, 73 P.S §§ 2270.4(a) and the CPL, 73 P.S. § 201-2(4)(xxi), by engaging in the following conduct:
62. AT&T’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 the debt.
63. As a result of the above violations of the FCEUA and CPL, Plaintiff has suffered
ascertainable losses entitling Plaintiff to an award of statutory, actual and treble damages and
49. Plaintiff demands trial by jury on all issues so triable.
(d) Costs and reasonable attorneys’ fees pursuant to 15 U.S.C. §§ 1681n, 1681o;
(e) An order directing that Equifax, Experian, and Trans Union immediately delete all of the inaccurate information from Plaintiff’s credit reports and files, and that AT&T cease reporting the inaccurate information to any and all persons and entities to whom they report consumer credit information;
(f) An order directing that Equifax, Experian, and Trans Union sends to all persons and entities to whom they have reported Plaintiff’s inaccurate information within the last three years Plaintiff’s updated and corrected credit report information; and