Source: https://www.creditreportproblems.com/georgia-complaint-equifax-experian/
Timestamp: 2017-07-25 06:46:36
Document Index: 540716185

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

Complaint Against Equifax, Experian for Mixing Credit Report Info
Georgia Complaint Against Equifax and Experian for Mixing Consumer’s Credit Reports
and EXPERIAN INFORMATION SOLUTIONS, INC.
Civil Action File No. _____________
This is an action for damages brought by an individual consumer against the Defendants for violations of the Fair Credit Reporting Act (“FCRA”), 15 U.S.C. §§ 1681 et seq., as amended.
Plaintiff is an adult individual residing in GA.
Defendant Equifax Information Services LLC (“Equifax”) is a consumer reporting agency, which regularly conducts business in Georgia, and which has a place of business located at 1550 Peachtree Street Northeast, Atlanta, GA 30309-2468.
Defendant Experian Information Solutions, Inc. (“Experian”) is a business entity and consumer reporting agency that regularly conducts business in the state of Georgia, and which has its headquarters and a principal place of business located at 475 Anton Boulevard, Costa Mesa, CA 92626.
Defendants have been reporting derogatory and inaccurate statements and information relating to Plaintiff and Plaintiff’s credit history to third parties (“inaccurate information”).
The inaccurate information includes, but is not limited to, numerous accounts, several of which are derogatory, and personal information belonging to Plaintiff’s brother.
The inaccurate information negatively reflects upon Plaintiff, Plaintiff’s credit repayment history, Plaintiff’s financial responsibility as a debtor and Plaintiff’s credit worthiness.
Defendants have been reporting the inaccurate information through the issuance of false and inaccurate credit information that they have disseminated to various persons and credit grantors, both known and unknown.
Plaintiff further has made requests for a copy of his credit disclosure which Equifax has failed to provide to Plaintiff including, but not limited to, requests made in October, 2011.
As a result of Defendants conduct, Plaintiff has suffered actual damages in the form of lost credit opportunities, harm to credit reputation and credit score, and emotional distress.
At all times pertinent hereto, Equifax was a “person” and “consumer reporting agency” 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 is liable to the Plaintiff for willfully and negligently failing to employ and follow reasonable procedures to assure maximum possible accuracy of Plaintiff’s credit report, information and file, in violation of 15 U.S.C. §1681e(b).
Pursuant to 15 U.S.C. §1681n and 15 U.S.C. §1681o, Equifax is liable to the Plaintiff for willfully and negligently failing to clearly and accurately disclose all information in Plaintiff’s credit file upon Plaintiff’s request pursuant to 15 U.S.C. §1681g.
The conduct of 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, Equifax is liable to Plaintiff for the full amount of statutory, actual and punitive damages, along with the attorney’s fees and the costs of litigation.
COUNT TWO- VIOLATIONS OF THE FCRA
At all times pertinent hereto, Experian was a “person” and “consumer reporting agency” 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, Experian is liable to the Plaintiff for willfully and negligently failing to employ and follow reasonable procedures to assure maximum possible accuracy of Plaintiff’s credit report, information and file, in violation of 15 U.S.C. §1681e(b).
The conduct of Experian 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 is liable to Plaintiff for the full amount of statutory, actual and punitive damages, along with the attorney’s fees and the costs of litigation.