Source: https://www.creditreportproblems.com/pennsylvania-complaintmoney-bank-reporting-false-inaccurate-account/
Timestamp: 2018-04-21 17:10:47
Document Index: 520920326

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

Big 3 Agencies, GE Money Bank Complaint for Reporting False Account
d/b/a GEMB/OLD NAVY
This is an action for damages brought by individual consumer, against Trans Union, LLC, Experian Information Solutions, Inc., Equifax Information Services, LLC, and GE Money Bank d/b/a GEMB/OLD NAVY, (collectively “Defendants”), for violations of the Fair Credit Reporting Act (hereafter the “FCRA”), 15 U.S.C. §§ 1681, et seq., as amended, and various other common law rights.
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.
Defendant Trans Union, LLC (hereafter “Trans Union”), is a consumer reporting agency 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 Experian Information Solutions, Inc. (hereafter “Experian”) is a consumer reporting agency 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, Equifax Information Services LLC (hereafter “Equifax”) is a consumer reporting agency which regularly conducts business in Philadelphia County, Pennsylvania, and which has a principal place of business located at 6 Clementon Road, East, Suite A2, Gibbsboro, New Jersey 08026.
Defendant GE Money Bank, d/b/a GEMB/OLD NAVY (“GEMB”) is a business entity that regularly conducts business in this Commonwealth and which has a principal place of business located at 3135 Easton Turnpike, Fairfield, CT 06828.
The inaccurate information includes, but is not limited to, an account with GEMB.
Defendants Trans Union, Experian and Equifax 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 Trans Union, Experian and Equifax by written communications to their representatives and by the Defendants’ established procedure for disputing consumer credit information.
Plaintiff has disputed the inaccurate information with Defendants Trans Union, Experian and Equifax from July 2009 through the present.
Notwithstanding Plaintiff’s efforts, Defendants Trans Union, Experian and Equifax 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 July 2009 through the present.
Despite Plaintiff’s efforts, Defendants Trans Union, Experian and Equifax 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.
Additionally, Plaintiff has repeatedly disputed the inaccurate information with GEMB. Notwithstanding Plaintiff’s disputes, GEMB 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.
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).
Pursuant to 15 U.S.C. §1681n and 15 U.S.C. §1681o, Defendants are liable to Plaintiff for engaging in the following conduct:
(Plaintiff v. GEMB)
At all times pertinent hereto GEMB was a “person” as that term defined by 15 U.S.C. § 1681a(b).
GEMB violated 15 U.S.C. §§ 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 GEMB;
(f) willfully and negligently failing to provide any and all credit reporting agencies with the factual information and evidence that Plaintiff submitted to Defendant GEMB, and which proved that the information concerning the Plaintiff’s credit reports was inaccurate;
GEMB’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 GEMB 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.
VII. Count Three – Defamation
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 about the Plaintiff.
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.
Defendants knew that the statements were false when made, and had no factual basis for making the statements, as Plaintiff has notified them repeatedly, beginning in July 2009, through writing, telephone communication and extensive documentation that the above inaccurate information was inaccurate for the reasons stated above.
Nonetheless, Defendants continued to publish the false and negative statements concerning the Plaintiff’s credit history up through the present time.
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.
At the times pertinent hereto, Defendant GEMB 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.
At a minimum, Defendant GEMB has published these statements each time Plaintiff has notified Defendant GEMB and other credit reporting agencies of Plaintiff’s dispute and each time a credit-reporting agency has reinvestigated the dispute.
The statements made by Defendant GEMB, are false as outlined above.
Defendant GEMB has published these statements to at least Defendants Equifax, Experian, and Trans Union.
Defendant GEMB 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.
In addition, and despite the repeated notices from Plaintiff, Defendant GEMB 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 and has further failed to indicate that the account in question has been disputed by the Plaintiff.
The conduct of Defendant GEMB 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 GEMB is liable to compensate Plaintiff for the full amount of actual, compensatory and punitive damages, as well as such other relief, permitted by law.
IX. Count Five – Negligence
Defendants negligence consists of the following:
As a result of Defendants above mentioned conduct, Plaintiff sustained and continues to sustain the losses and damages as set forth above.
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.
Defendant Allied’s negligence consists of the following:
(c) Failing to review all relevant information concerning Plaintiff’s account that was sent to Defendant GEMB;
(e) Failing to report the inaccurate status of the inaccurate information to all credit reporting agencies, including those agencies to whom Defendant GEMB originally furnished information; and
(f) Failing to delete or correct the inaccurate information.
As a result of Defendant GEMB’s above mentioned conduct, Plaintiff sustained and continues to sustain the losses and damages as set forth above.
The conduct of Defendant GEMB 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 GEMB 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.
XI. Count Seven – Invasion Of Privacy/False Light
(Plaintiff v. Trans Union, Experian, and Equifax)
64. Defendants’ above actions violated Plaintiff’s right of privacy by 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.
65. By such unauthorized 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.
66. The Defendants’ conduct 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.
XII. Count Eight – Invasion Of Privacy/False Light
68. Defendant GEMB’s above actions violated Plaintiff’s right of privacy and placed 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.
69. By such unauthorized invasion, publication and circulation of Plaintiff’s name and the inaccurate information, Defendant GEMB 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.
70. The conduct of Defendant GEMB 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 GEMB is 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.
Xiii. Jury Demand
XiV. Prayer for Relief
(e) An order directing that Defendants immediately delete all of the inaccurate information from Plaintiff’s credit reports and files, and that GEMB cease reporting the inaccurate information to any and all persons and entities to whom they report consumer credit information;