Zachary Hodges v. Equifax Credit Information Services, LLC

New Orleans, Louisiana consumer law lawyer represented the Plaintiff on a Fair Credit Reporting Act.

The
Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., is a 1970 federal law that regulates the collection, accuracy, and privacy of consumer information held by credit reporting agencies (CRAs). It promotes fairness by giving consumers the right to access their reports, dispute inaccurate data, and limit who can view their credit information.
Key Aspects of the FCRA:

Right to Access: You are entitled to one free credit report every 12 months from each of the three major nationwide credit reporting agencies (Equifax, Experian, and TransUnion).
Accuracy & Dispute Rights: If you find errors, you can dispute them. Credit reporting agencies are generally required to investigate and remove or correct inaccurate, incomplete, or unverifiable information within 30 days.
Limitation on Access: Only entities with a "permissible purpose" (e.g., creditors, landlords, employers) can access your report. Employers must obtain your written consent.
Negative Information Limits: Most negative information, such as late payments, cannot be reported after seven years; bankruptcies typically drop off after 10 years.
Adverse Action Notices: If a company denies your application for credit, insurance, or employment based on your credit report, they must notify you and provide the name and address of the agency that provided the report.
Identity Theft Protections: The FCRA allows consumers to place fraud alerts in their credit files and requires the truncation of social security numbers on files.

The FCRA is enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). Violations can lead to lawsuits against reporting agencies and companies that furnish inaccurate information.

02/11/2026 4 EXPARTE/CONSENT MOTION for Settlement by Zachary Hodges. (Moyer, David) (Entered: 02/11/2026)
02/11/2026 5 ORDER OF DISMISSAL: IT IS ORDERED that all claims in the above-captioned matter are hereby dismissed without costs, and without prejudice, with the right upon good cause shown, within sixty days, for the parties to seek summary judgment enforcing the compromise if it is not consummated by that time. Signed by Judge Carl J Barbier on 2/11/2026.(amj) (Entered: 02/11/2026)