Source: https://www.creditreportproblems.com/new-jersey-complaint-against-experian-and-equifax/
Timestamp: 2017-07-25 06:47:25
Document Index: 605866343

Matched Legal Cases: ['§ 1681', '§ 1681', '§1331', '§1367', '§1681', '§1681', '§ 1681', '§1681']

New Jersey Inaccurate Reporting Complaint Against Experian and Equifax
New Jersey Complaint Against Experian, Equifax Due to Inaccurate Reporting
January 4th, 2013 by krista
EXPERIAN INFORMATION COMPLAINT
SOLUTIONS, INC. and JURY TRIAL DEMANDED
EQUIFAX INFORMATION SERVICES LLC NON-ARBITRATION
Defendants. ))))
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,
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.
Plaintiff is an individual who resides in New Jersey
Defendant Experian Information Solutions, Inc. (hereafter “Experian”) is a business entity that regularly conducts business in the State of New Jersey, and which has a principal place of business located at 5 Century Drive, Parsippany, New Jersey 07054.
Defendant Equifax Information Services LLC (hereafter “EIS”) is a business entity which regularly conducts business in the State of New Jersey, and which has a principal place of business located at 6 Clementon Road, East, Suite A2, Gibbsboro, New Jersey 08026.
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”) from at least September 2012 through the present.
The inaccurate information includes, but is not limited accounts with Chase Bank USA, CitiBank and personal identifying information.
The inaccurate information negatively reflects upon the Plaintiff, Plaintiff’s credit repayment history, Plaintiff’s financial responsibility as a debtor and Plaintiff’s credit worthiness. The inaccurate information consists of accounts and/or tradelines that do not belong to the Plaintiff, and that actually belong to another consumer. Due to Defendants’ faulty procedures, Defendants mixed the credit file of Plaintiff and that of another consumer with respect to the inaccurate information and other personal identifying information.
Plaintiff’s credit reports and file have been obtained from Defendants 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. Plaintiff’s credit reports have been obtained from Defendants by such third parties from at least September 2012 through the present.
As a result of Defendants’ conduct, Plaintiff has suffered actual damages in the form of credit denial or loss of credit opportunity, credit defamation and emotional distress, including anxiety, frustration, embarrassment and, humiliation.
(Plaintiff v. Experian and Equifax)
Pursuant to 15 U.S.C. §1681n and 15 U.S.C. §1681o, Experian and Equifax are liable to the Plaintiff for willfully and negligently failing to comply with the requirements imposed on a consumer reporting agency of information pursuant to 15 U.S.C. §§ 1681e(b).
The conduct of Experian and Equifax 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, Experian and Equifax are 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.
Costs and reasonable attorney’s fees pursuant to 15 U.S.C. §§1681n and 1681o;
An order directing that Defendants immediately delete all of the inaccurate information from Plaintiff’s credit reports and files and cease reporting the inaccurate information to any and all persons and entities to whom they report consumer credit information;
An order directing that Defendants send 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
BY: /s/ Mark D. Mailman MARK D. MAILMAN
Latest Posts	Francis and Mailman gets Record $60 Million Class Action Verdict
June 2017 May 2017 March 2017 February 2017 January 2017 December 2016 November 2016 October 2016 September 2016 August 2016 June 2016 April 2016 March 2016 February 2016 December 2015 November 2015 October 2015 September 2015 August 2015 July 2015 June 2015 May 2015 April 2015 March 2015 February 2015 January 2015 December 2014 November 2014 October 2014 September 2014 August 2014 June 2014 May 2014 April 2014 March 2014 February 2014 January 2014 December 2013 November 2013 October 2013 August 2013 July 2013 March 2013 February 2013 January 2013 December 2012 November 2012 October 2012 September 2012 August 2012 July 2012 June 2012 May 2012 March 2012 February 2012 January 2012 December 2011 November 2011 October 2011 September 2011 August 2011 July 2011 June 2011 January 2011 December 2010 November 2010 October 2010 August 2010 April 2010 July 2009 June 2009 April 2009 A free resource sponsored by the law firm Francis & Mailman, P.C.