Consumidor – AUSENCIA DE NOTIFICAÇÃO DO ENVIO DO NOME DO DEVEDOR AO CADASTRO DE CHEQUES SEM FUNDOS  - CCF – RESTRIÇÃO NO SERASA E SCPC
Autor: Silvia Nascimento | Publicado: 2015-12-06T23:33:00-02:00

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SENTENÇA FAVORÁVEL QUE DECLARA NULO O
CADASTRO E CONDENA EM DANOS MORAIS PELA INCLUSÃO INDEVIDA







Vistos.



F. A.
D. A. moveu a presente AÇÃO DECLARATÓRIA DE NULIDADE DE CADASTRO RESTRITIVO
C.C.COM INDENIZAÇÃO POR DANOS MORAIS E PEDIDO DE TUTELA ANTECIPADA contra SERASA
– CENTRALIZAÇÃO DE SERVIÇOS BANCÁRIOS.



Alega,
em síntese, que teve seu nome anotado no cadastro de inadimplentes em virtude
da inclusão indevida de cheques devolvidos, sem, contudo, ter sido previamente notificada.
Requer, assim, a tutela antecipada para excluir o seu nome dos órgãos de proteção
ao crédito do SERASA, a declaração de nulidade do cadastro restritivo e a indenização
por danos morais.



Deferida
a justiça gratuita e a tutela antecipada (fl. 44).







Devidamente
citada, a ré apresentou contestação (fls. 85/90). Aduz, em suma, que cabe ao BACEN
a inscrição e divulgação de quaisquer dados referentes aos inscritos no CCF,
bem como ao suposto direito de recebimento de indenização por danos morais,
apenas repassando as informações disponibilizadas pelo BACEN. Com relação aos danos
morais sustentou ausência do nexo causal, pois não teve responsabilidade pelos apontamentos.
Impugnou o valor pretendido a título de danos morais. Desse modo, requer a
total improcedência da demanda.





É o relatório.





(....)



A
ação é procedente.



É
incontroverso que autora não recebeu foi notificada de tais inscrições, argumentando
a ré ser mera receptora de informações de restrição de crédito e por ser cheque
sem fundos responsabilidade da comunicação é do Banco Central.







(...)







Posto
isso, JULGO PROCEDENTE a presente ação para confirmar a exclusão do nome
da autora de proteção ao crédito do SERASA e para condenar a ré no pagamento de
R$ 5.000,00 a título de danos morais, com incidência de correção monetária e
juros de mora de 1ao mês desde a data da sentença (Súmula 362 do STJ).



Condeno,
ainda, a ré no pagamento das custas, despesas processuais e honorários
advocatícios, que arbitro em 15% sobre o valor da condenação. Após o trânsito
em julgado, expeça-se ofício aos referidos órgãos. P.R.I. São
Paulo, 24 de novembro de 2015. Processo n. 1061568-69.2015.
(OBS: decisão sujeita a recurso).