Sue Equifax for unresolved credit report disputes
Welcome to Consumer Attorneys! We are responsible for helping protect consumers' rights under consumer protection laws. When damaging credit report errors are not removed, our professionals step in to right the wrong.
Credit report errors are very common. Erroneous information can remain on a consumer's credit report for years without their knowledge. Despite how common these mistakes are, Equifax is not responsible for overseeing credit report accuracy. Consumers are actually saddled with this responsibility. Equifax has been sued multiple times for not properly addressing consumers' attempts to dispute these damaging credit report errors.
American businesses and consumers place their faith in Equifax as a major reporting agency that provides credit reports and credit scores, as well as screening services when landlords need tenant information, when lenders require employment verification for borrowers, etc.
However, that faith can be shattered when Equifax does not remove damaging errors on credit reports, which can send credit scores into a nosedive.
Credit report errors run rampant
A major study conducted by the Federal Trade Commission in 2012 found that one in four American consumers had at least one error on their credit reports. During 2020, American consumers filed more than 280,000 complaints concerning credit report mistakes.
Negative content on one's credit report, whether included nefariously or accidentally, can tarnish one's coveted credit standing and contribute to being denied a car or home loan, not being considered as a tenant for a rental property, being bypassed as a job candidate, and more.
Mistakes can sneak in and outdated information can remain on credit reports for many reasons, such as clerical errors or fraud. Because of this, Consumer Attorneys encourages you to visit annualcreditreport.com to secure your free credit report from Equifax and the other two major credit report bureaus. If any information looks unfamiliar or questionable, give us a call at (800)604-0466.
The Fair Credit Reporting Act is your ally
The Fair Credit Reporting Act (FCRA) protects consumers' rights in a number of critical ways. As it applies to credit reports, the FCRA gives consumers the right to:
- Obtain a copy of their credit reports
- Determine who can view their files
- Know when a credit report is being used against them
- Dispute Equifax and other credit reporting agencies regarding errors on their credit report
- Receive punitive and statutory damages when credit report agencies and/or their furnishers have demonstrated intentional negligence by not properly addressing disputes
Sue Equifax for unresolved credit report errors
You may have legal grounds to sue Equifax for credit report errors that continue to languish after a proper dispute process. Here are just a few examples of lawsuits that were filed against Equifax for that very reason:
- A plaintiff alerted Equifax that the plaintiff had become a victim of identity theft. The plaintiff followed protocol by disputing two fraudulent accounts on his Equifax credit report. The official dispute included a police report and an identity theft affidavit, which were submitted to Equifax. Nonetheless, Equifax did not block the fraudulent accounts and verified them as accurate.
- A plaintiff's Equifax report contained two collection accounts. Both accounts belonged to the plaintiff's son, not the plaintiff. He disputed the accounts with Equifax, which failed to perform a reasonable investigation while continuing to verify that the collection accounts were accurate.
- A plaintiff traded his vehicle to a car dealership, but the dealership failed to make a timely payoff to Capital One Financial Corporation. Once that payment was listed on the plaintiff's Equifax credit report, it was indicated as late. The dealership acknowledged its mistake. The plaintiff contacted Equifax and disputed the late payment. The dispute included a letter from the dealership admitting the error. Still, Equifax verified that the plaintiff had made a late payment. The plaintiff had no other late payments.
Equifax also made the spotlight in 2017 when it fell prey to a major data breach. Approximately 143 million Americans became victimized since their names, addresses, Social Security numbers, driver's license numbers, and other sensitive information had been accessed. Was your personal information part of that breach?
If you wish to contact Equifax for a credit report error dispute, you can access Equifax's online dispute form, call Equifax's toll-free number at (866)349-5191, or write a dispute letter and mail it to Equifax.
You can obtain additional information at equifax.com.
Credit report errors still there? Let's change that!
Your efforts to resolve credit report errors may not generate satisfactory results. Equifax has a 30-day window to rectify mistakes. After that, you may notice that the credit-report errors are still present. If this situation applies to you, you may have a right to sue Equifax.
At Consumer Attorneys, we are ready to assist you with a lawsuit against Equifax for unresolved credit-report errors, which may be hurting your credit score. Consumer Attorneys can connect you with a credit report attorney who will assess your situation as part of a free case review. You can also take advantage of a free credit report analysis. Your circumstances may entitle you to substantial financial damages.
Through Consumer Attorneys, you pay no out-of-pocket fees. Our credit report attorneys only receive a fee if they win on your behalf!
Equifax Lawsuits and Cases
These are real cases filed by Consumer Attorneys’ clients. If you have experienced any similar issues, you may have a case against Equifax.
Francisco Colvin v. Equifax and Experian: Fransico Colvin was inaccurately reported as deceased on his Equifax and Experian credit reports. Because of this reporting, Francisco was unable to rent a car and missed an important appointment with a heart specialist to treat a medical condition. Additionally, he was unable to apply for additional credit or generate a credit score.
Adnan Poljak v. Equifax, Experian, and TransUnion: Adnan Poljak’s Discover card was incorrectly charged 100 times the amount it was supposed to be charged for a rental truck. Because he was unable to make this payment, his account was then reported as charged-off by Equifax, Experian, and TransUnion. Despite his multiple disputes, Equifax, Experian, and TransUnion verified the inaccurate charge-off on the account. Adnan’s credit was destroyed, and he was unable to obtain financing for his future plans.
Talya Douek v. Equifax and Experian: Talya Douek was trying to buy a house but discovered that her credit reports and history contained the name, social security number, and mailing address of her twin sister. Evidently, Talya missed the opportunity to purchase the house. Despite her disputes, Equifax, Experian, and TransUnion did not perform reasonable investigations and continued to report the information of her twin sister. Because of this, Talya has been forced to deal with the aggravation of not being able to obtain a mortgage, as well as multiple lost housing opportunities.
Benjamin Haimoff v. Equifax: Benjamin Haimoff had an inaccurate judgment from Discover reported on his Equifax credit report. Discover confirmed that it had made a mistake and that the judgment was supposed to be for someone else with the same name. Benjamin sent a letter to Equifax, asking that this judgment be removed from his report. However, Equifax continued to report the Discover judgement. Benjamin was denied credit because of Equifax’s failure to remove the judgement and had to suffer the resulting humiliation and distress.
Richard Merz v. Equifax : As a result of having an inaccurate tax lien listed on his credit report, Mr. Merz suffered significant harm. Plaintiff disputed the tax lien with Equifax by sending a letter from the State confirming that the tax lien was not his. Despite the clear proof that the tax lien was not his, Equifax continued to report the inaccuracy. As a result, Plaintiff was unable to get a lease or mortgage, and was forced to move in with family.
We'll take the bull by the horns. Give us a call!
If your Equifax credit report includes errors that have not been rectified after a proper dispute, call Consumer Attorneys immediately! You can connect with our legal team in various ways:
- Call (800)604-0466 for immediate assistance and a free case review.
- Fill out our brief Contact Us form or initiate a live chat to share your concerns.
Reach out to us at firstname.lastname@example.org with any questions.
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