Mingchang Chung v. Trans Union, LLC

Philadelphia, Pennsylvania consumer credit lawyer represented the Plaintiff who sued the Defendant on a Fair Credit Reporting Act violation theory.



"The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection, use, and disclosure of consumer credit reports. The FCRA was enacted to protect consumers from inaccurate or unfair credit reporting practices.



The FCRA applies to consumer reporting agencies (CRAs), which are businesses that collect and sell consumer credit information. CRAs typically collect information about consumers' credit history, including their payment history, debts, and public records such as bankruptcies and foreclosures.



The FCRA gives consumers a number of rights, including the right to:



Obtain a free copy of their credit report from each of the three major CRAs once a year.

Dispute any inaccurate or incomplete information on their credit report.

Be notified if an adverse action is taken against them based on their credit report.

Place a security freeze on their credit report to prevent unauthorized access.



The FCRA also restricts the way that CRAs can collect and disclose consumer credit information. For example, CRAs cannot sell consumer credit information to businesses that do not have a legitimate need for it. Additionally, CRAs cannot report negative information on a consumer's credit report for longer than certain periods of time.



The FCRA is enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). Consumers who believe that their rights under the FCRA have been violated can file a complaint with the FTC or the CFPB.



Here are some examples of how the FCRA protects consumers:



A consumer can dispute an inaccurate or incomplete item on their credit report, and the CRA is required to investigate the dispute and remove the inaccurate information if it cannot be verified.

A consumer can be notified if a company takes an adverse action against them, such as denying them a loan or job, based on their credit report. This allows the consumer to dispute any inaccurate information on their credit report or to take other steps to address the adverse action.

A consumer can place a security freeze on their credit report to prevent unauthorized access. This can be helpful for consumers who are concerned about identity theft.



The FCRA is an important law that protects consumers from inaccurate and unfair credit reporting practices. By understanding their rights under the FCRA, consumers can help ensure that their credit reports are accurate and that they are treated fairly by lenders and other businesses."



Google Bard

10/05/2023 63 ORDER DISMISSING ACTION WITH PREJUDICE PURSUANT TO LOCAL RULE 41.1(b). SIGNED BY MAGISTRATE JUDGE CAROL SANDRA MOORE WELLS ON 10/5/23. 10/5/23 ENTERED AND E-MAILED.(JL) (Entered: 10/05/2023)