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Juan Carlos Argueta v. Equifax Information Services, LLC, et al.
Date: 09-12-2025
Case Number: 25-CV-1516
Judge: William J. Martini
Court: United States District Court for the District of New Jersery (Essex County)
Plaintiff's Attorney:
Click Here For The Best Newark Consumer Credit Lawyer Directory
Defendant's Attorney:
Click Here For The Best Newark Commercial Litigation Lawyer Directory
Description:
Newark, New Jersey, consumer credit lawyer represented the Plaintiff who sued on a Fair Credit Reporting Act theory.
The Fair Credit Reporting Act (FCRA) establishes the framework for the fair and accurate use of consumer credit information, promoting privacy and accuracy in consumer reports by regulating
Credit Reporting Agencies (CRAs) and those who use the information they provide. Key aspects include consumers' right to access their credit reports, dispute inaccuracies, and place fraud alerts, along with CRAs' obligations to maintain accuracy and comply with rules regarding data use, reporting timelines, and handling of consumer disputes.
Key Consumer Rights Under the FCRA
Right to Access and Accuracy: You have the right to get free copies of your credit report and to dispute inaccurate or incomplete information.
Dispute Process: If you find an error, you can dispute it with the CRA, which must investigate and correct the information if it's found to be inaccurate.
Fraud Alerts: You can place a one-year fraud alert on your credit report if you suspect identity theft, requiring lenders to verify your identity before granting new credit.
Credit Score Disclosures: You may have the right to receive your credit score, especially for certain mortgage transactions.
Opt-Out for Pre-Screened Offers: You can stop receiving unsolicited pre-screened credit and insurance offers by opting out through the national credit bureaus.
Key Obligations of Credit Reporting Agencies (CRAs)
Accuracy: CRAs must maintain procedures to ensure the accuracy of the information they report.
Confidentiality: They must protect the confidentiality of your personal information.
Dispute Resolution: CRAs must take steps to investigate disputes and remove inaccurate information from your report.
Information Limitations: There are limits on how long negative information can be reported, generally seven years, though bankruptcies can be reported for up to 10 years.
What is a Credit Reporting Agency (CRA)?
A CRA is a company that assembles and sells information about individuals, including credit bureaus like Experian, TransUnion, and Equifax.
The term also includes other entities like background check companies and debt collectors.
Purpose of the FCRA
To ensure fairness, accuracy, and privacy in the collection and use of personal information found in credit reports.
To prevent the misuse of sensitive information by establishing rules for who can access it and for what purposes.
The Fair Credit Reporting Act (FCRA) establishes the framework for the fair and accurate use of consumer credit information, promoting privacy and accuracy in consumer reports by regulating
Credit Reporting Agencies (CRAs) and those who use the information they provide. Key aspects include consumers' right to access their credit reports, dispute inaccuracies, and place fraud alerts, along with CRAs' obligations to maintain accuracy and comply with rules regarding data use, reporting timelines, and handling of consumer disputes.
Key Consumer Rights Under the FCRA
Right to Access and Accuracy: You have the right to get free copies of your credit report and to dispute inaccurate or incomplete information.
Dispute Process: If you find an error, you can dispute it with the CRA, which must investigate and correct the information if it's found to be inaccurate.
Fraud Alerts: You can place a one-year fraud alert on your credit report if you suspect identity theft, requiring lenders to verify your identity before granting new credit.
Credit Score Disclosures: You may have the right to receive your credit score, especially for certain mortgage transactions.
Opt-Out for Pre-Screened Offers: You can stop receiving unsolicited pre-screened credit and insurance offers by opting out through the national credit bureaus.
Key Obligations of Credit Reporting Agencies (CRAs)
Accuracy: CRAs must maintain procedures to ensure the accuracy of the information they report.
Confidentiality: They must protect the confidentiality of your personal information.
Dispute Resolution: CRAs must take steps to investigate disputes and remove inaccurate information from your report.
Information Limitations: There are limits on how long negative information can be reported, generally seven years, though bankruptcies can be reported for up to 10 years.
What is a Credit Reporting Agency (CRA)?
A CRA is a company that assembles and sells information about individuals, including credit bureaus like Experian, TransUnion, and Equifax.
The term also includes other entities like background check companies and debt collectors.
Purpose of the FCRA
To ensure fairness, accuracy, and privacy in the collection and use of personal information found in credit reports.
To prevent the misuse of sensitive information by establishing rules for who can access it and for what purposes.
Outcome:
STIPULATION AND ORDER of Dismissal as to Matco Tools Corporation with prejudice. Signed by Judge William J. Martini on 9/12/2025. (dmr) (Entered: 09/12/2025)
Plaintiff's Experts:
Defendant's Experts:
Comments:
About This Case
What was the outcome of Juan Carlos Argueta v. Equifax Information Services, LLC,...?
The outcome was: STIPULATION AND ORDER of Dismissal as to Matco Tools Corporation with prejudice. Signed by Judge William J. Martini on 9/12/2025. (dmr) (Entered: 09/12/2025)
Which court heard Juan Carlos Argueta v. Equifax Information Services, LLC,...?
This case was heard in United States District Court for the District of New Jersery (Essex County), NJ. The presiding judge was William J. Martini.
Who were the attorneys in Juan Carlos Argueta v. Equifax Information Services, LLC,...?
Plaintiff's attorney: Click Here For The Best Newark Consumer Credit Lawyer Directory. Defendant's attorney: Click Here For The Best Newark Commercial Litigation Lawyer Directory.
When was Juan Carlos Argueta v. Equifax Information Services, LLC,... decided?
This case was decided on September 12, 2025.