Source: https://www.creditreportproblems.com/3-credit-bureaus-hunter-warfield-reporting/
Timestamp: 2018-02-18 20:22:45
Document Index: 357836647

Matched Legal Cases: ['§ 1681', '§ 1692', '§ 1681', '§ 1331', '§ 1367', '§ 1391', '§ 1681', '§1681', '§1681', '§ 1681', '§ 1681', '§1681', '§ 1692', '§ 1692', '§ 1692', '§ 1692', '§ 1681', '§1692']

Complaint: Big 3 Agencies, Hunter Warfield Report Paid Debt Unpaid
Pennsylvania Complaint Against the Big 3 Credit Bureaus and Hunter Warfield, Inc. for Reporting Inaccurate Information to Third Parties that Paid Debt as Unpaid
Defendants. )))))))
1. This is an action for damages brought by an individual consumer, against Trans Union LLC, Equifax Information Services, LLC, Experian Information Solutions, Inc., and Hunter Warfield Inc. (collectively “Defendants”), for violations of the Fair Credit Reporting Act (hereinafter the “FCRA”), 15 U.S.C. §§ 1681, et seq., as amended, and the Fair Debt Collection Practices Act, 15 U.S.C. § 1692, et seq. (hereafter the “FDCPA”).
2. Plaintiff is an adult individual residing North Carolina.
3. Defendant, Trans Union, LLC (hereafter “Trans Union”), is a business entity which regularly conducts business in Eastern District of Pennsylvania, and which has a principal place of business located at 1510 Chester Pike, Crum Lynne, PA 19022.
4. Defendant, Equifax Information Services, LLC (hereafter “Equifax”) is a business entity that regularly conducts business in the Eastern District of Pennsylvania, and which has a principle place of business at 6 Clementon Road, East, Suite A2, Gibbsboro, New Jersey 08026.
5. Defendant, Experian Information Solutions, Inc. (hereafter “Experian”) is a business entity that regularly conducts business in the Eastern District of Pennsylvania, and which has a principal place of business located at 5 Century Drive, Parsippany, New Jersey 07054.
6. Defendant, Hunter Warfield Inc. (hereafter “HWI”) is a business entity that regularly conducts business in the Eastern District of Pennsylvania, and which has a principal place of business located at 4620 Woodland Corporate boulevard, Tampa, FL 33614. The principal purpose of Defendant is the collection of debts using the mails and telephone, and Defendant regularly attempts to collect debts alleged to be due another.
7 .Jurisdiction of this Court arises under 15 U.S.C. § 1681p and 28 U.S.C. § 1331, and supplemental jurisdiction exists for the state law claims pursuant to 28 U.S.C. § 1367.
8. Venue lies properly in this district pursuant to 28 U.S.C. § 1391(b).
10. The inaccurate information includes, but is not limited to, an account with HWI.
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 accounts and/or tradelines that do not belong to the Plaintiff.
13. Plaintiff has disputed the inaccurate information with Defendants by both oral and written communications to their representatives and by following Equifax, Experian and Trans Union’s established procedures for disputing consumer credit information.
14. Plaintiff has disputed the inaccurate information with Equifax, Experian and Trans Union from October 2011 through the present.
15. 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 October 2011 through the present.
16. 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; (4) requested or obtained any credit applications, or other relevant documents from the entities furnishing the inaccurate information; and (5) performed any handwriting analysis.
17. Notwithstanding Plaintiff’s disputes, HWI 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.
19. As of result of Defendant’s conduct, Plaintiff has suffered actual damages in the form of lost credit opportunities, harm to credit reputation and credit score, and emotional distress.
21. 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.
23. 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).
26. Pursuant to 15 U.S.C. §1681n and 15 U.S.C. §1681o, Equifax, Experian and Trans Union 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 and 1681i.
27. The conduct of Equifax, Experian and 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, Equifax, Experian and Trans Union 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.
Count II – HWI
29.At all times pertinent hereto HWI was a “person” as that term defined by 15 U.S.C. § 1681a(b).
30. HWI violated sections 1681n and 1681o of the FCRA by willfully and negligently failing to comply with the requirements imposed on furnishers of information pursuant to 15 U.S.C. §1681s-2(b).
31. HWI’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 HWI 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 III – FAIR DEBT COLLECTION PRACTICES ACT
(Plaintiff v. HWI)
33. Defendant HWI, is a “debt collector” as defined by 15 U.S.C. § 1692a(6) of the FDCPA.
34. Plaintiff is a “consumer” as defined by 15 U.S.C. § 1692a(3) of the FDCPA.
35. The reporting of the inaccurate information to credit reporting agencies by Defendant HWI is a “communication” relating to a “debt” as defined by 15 U.S.C. § 1692a(2) and 1692a(5) of the FDCPA.
36. The alleged debt at issue arose out of a transaction that was primarily for personal, family or household purposes.
37. Defendant HWI violated the FDCPA. Defendant HWI’s, violations include, but are not limited to, violations of 15 U.S.C. §§ 1692e(2)(A), 1692e(8), 1692e(10), and 1692f, as evidenced by the following conduct:
38. Defendant HWI’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.
39. As a result of the above violations of the FDCPA, Defendant HWI is liable to Plaintiff.
(d) Costs and reasonable attorney’s fees pursuant to 15 U.S.C. §§ 1681n, 1681o; and 15 U.S.C. §1692k(a)(3); and