Defendant's Attorney: David M. Gettings, Micah John Petersen, William Kirk Turner

Description: Tulsa, Oklahoma consumer credit lawyers represented the Plaintiff who sued the Defendant Fair Credit Reporting Act under 15 U.S.C. 1681, which provides:

(a) Accuracy and fairness of credit reportingThe Congress makes the following findings:
(1) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
(2) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
(3) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
(4) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer’s right to privacy.
(b) Reasonable procedures

It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

"The Fair Credit Reporting Act (FCRA) is a federal law in the United States that regulates the collection, dissemination, and use of consumer credit information by consumer reporting agencies (CRAs) such as Experian, Equifax, and TransUnion.

Here's a breakdown of the key elements of the FCRA:

Purpose:

To ensure the accuracy, fairness, and privacy of consumer credit information.
To protect consumers from unfair credit reporting practices.

Key provisions:

Consumer rights:
Access to credit reports: Consumers have the right to obtain a free copy of their credit report from each CRA once a year.
Dispute inaccurate information: Consumers can dispute any errors or inaccuracies in their credit reports.
Security freeze: Consumers can place a security freeze on their credit reports, which limits who can access their information.
Opt-out of prescreened credit offers: Consumers can opt out of receiving unsolicited credit card and insurance offers.
CRA obligations:
Accurate reporting: CRAs must ensure the information in their reports is accurate and up-to-date.
Reasonable investigation of disputes: CRAs must investigate consumer disputes fairly and promptly.
Limited disclosure of information: CRAs can only share consumer credit information with certain authorized users, such as lenders and employers.

Enforcement:

The Consumer Financial Protection Bureau (CFPB) is the primary agency responsible for enforcing the FCRA.
Consumers can file complaints with the CFPB if they believe their rights under the FCRA have been violated."

Google Bard

Outcome: 03/08/2023 24 NOTICE of Settlement by Christopher Michael Kelley (Catalano, Paul) (Entered: 03/08/2023)
03/08/2023 25 ORDER by Chief Judge John F Heil, III : Stipulated Dismissal due 4/24/2023, setting/resetting deadline(s)/hearing(s): ( Dismissal Papers due by 4/24/2023) (JFH1, Chambers) (Entered: 03/08/2023)
03/09/2023 26 MINUTE ORDER by Magistrate Judge Christine D Little In light of the Notice of Settlement (Dkt. # 24), the settlement conference set for 3/15/23 at 9:30 a.m. before ASJ James (Jay) W. Dunham is hereby stricken., striking/terminating deadline(s)/Hearing(s) (This entry is the Official Order of the Court. No document is attached.) (CDL2, Chambers) (Entered: 03/09/2023)
03/28/2023 27 STIPULATION of Dismissal, closing case, by Christopher Michael Kelley (Wallace, Lucius) (Entered: 03/28/2023)

Plaintiff's Experts:

Defendant's Experts:

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