My firm has filed a federal lawsuit against Credigy Receivables, Inc. and Experian Information Solutions, Inc. for violations of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. The lawsuit was filed in the United States District Court (Central District) in Los Angeles and is Case No. EDCV07-703-SGL(JCRx).
The lawsuit alleges that my client repeatedly disputed the accuracy of a credit report tradeline being furnished to Experian by Credigy. In response to those disputes, Experian repeatedly verified the item but updated the date until which the item would be reported on the credit report to later dates. First, the date was updated to March 2007, then June 2007, then September 2013. In response to my client's last dispute, Experian refused to even consider the dispute, despite the fact my client specifically disputed the new September 2013 date. The lawsuit seeks at least $100,000.00 in actual damages, plus statutory damages, attorney fees, and costs.
If you feel a debt collector may be violating the law in the way they are pursuing a debt, or a credit reporting agency is failing to adequately respond when you dispute an inaccurate credit report item and you are being damaged by that failure, please consult a consumer attorney immediately. California residents can email me (firstname.lastname@example.org) or telephone me at (858) 679-3396 for a free consultation. Residents of other states please visit the National Association of Consumer Advocates to find an attorney in your state.