Theodore Holloway, Jr. v. Transunion, LLC, et al.

Philadelphia, Pennsylvania consumer credit lawyer represented the Plaintiff.

The Fair Credit Reporting Act (FCRA) protects consumers from the misuse and misreporting of their credit information. Some common violations of the FCRA include:



Inaccurate information: Reporting incorrect information on a credit report, such as an incorrect balance, account status, or payment history



Inaccurate dates: Reporting an incorrect date for a credit event, such as a missed payment

Inaccurate creditors: Reporting a creditor or lender that doesn't exist or with whom the consumer has no financial dealings

Unauthorized access: Accessing a consumer's credit report without proper authorization

Improper handling of opt-out requests: Failing to provide a simple process for consumers to opt out of unsolicited credit and insurance offers

Failure to investigate disputes: Failing to investigate or correct inaccuracies on a consumer's credit report within 30 days

Reporting information that doesn't belong to you: Reporting information from someone else's credit file

Failing to update credit information: Failing to update credit information after a dispute has been resolved

Failing to block and remove identity theft information: Failing to block and remove information that is the result of identity theft



Violations of the FCRA can have a negative impact on consumers, such as making it difficult to obtain credit, being denied employment, or being turned away when trying to rent an apartment.

The statute of limitations for filing a suit for an FCRA violation is two years after the date the violation was discovered, or five years after the date of the violation, whichever comes first.

Settled for an undisclosed sum and dismissed with prejudice.