Defendant's Attorney: No appearance

Description: Tulsa, Oklahoma consumer credit lawyers represented the Plaintiff who sued the Defendant on Fair Credit Reporting Act violation theory.

"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: 12/19/2023 12 NOTICE of Dismissal, closing case, by Vu Truong (Johnson, Ge'Andra) (Entered: 12/19/2023)
12/19/2023 ***Civil Case Terminated (see document number 12 ) (dla, Dpty Clk) (Entered: 12/20/2023)

Plaintiff's Experts:

Defendant's Experts:

Comments: