Louis Garcia v. Experian Information Solutions, Inc.

Trenton, New Jersey consumer credit lawyer represented the Plaintiff who sued the Defendants on Fair Credit Reporting Act violation theories.



"The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection, dissemination, and use of consumer credit information. The FCRA was enacted to protect consumers from the inaccurate and unfair reporting of credit information, and to ensure that consumers have access to their own credit reports.



The FCRA applies to consumer reporting agencies (CRAs), which are businesses that collect and report credit information about consumers. CRAs include the three major credit bureaus (Equifax, Experian, and TransUnion), as well as other businesses that collect and report credit information, such as medical information companies and tenant screening services.



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



Obtain a free copy of their credit report from each CRA once a year.

Dispute any inaccurate information on their credit report.

Have inaccurate information removed from their credit report.

Be notified when a CRA provides their credit report to a potential lender, employer, or landlord.

Place a fraud alert or credit freeze on their credit report.



The FCRA also prohibits CRAs from providing credit reports to anyone who does not have a legitimate need for the information. For example, CRAs cannot provide credit reports to employers without the consumer's consent.



If you believe that your rights under the FCRA have been violated, you can file a complaint with the Consumer Financial Protection Bureau (CFPB). You can also file a lawsuit against the CRA or other business that violated your rights.



Here are some examples of violations of the FCRA:



A CRA provides a credit report to a lender without the consumer's consent.

A CRA includes inaccurate information on a consumer's credit report.

A CRA refuses to remove inaccurate information from a consumer's credit report.

A CRA fails to notify a consumer when a CRA provides their credit report to a potential lender, employer, or landlord.



If you believe that your rights under the FCRA have been violated, you should contact an attorney to discuss your legal options.



In addition to the above, here are some other important things to know about the FCRA:



The FCRA applies to all consumers, regardless of their income or credit history.

The FCRA requires CRAs to investigate disputed information within 30 days of receiving the dispute.

If a CRA finds that disputed information is inaccurate, it must remove the information from the consumer's credit report within 30 days.

The FCRA prohibits CRAs from reporting negative credit information that is more than seven years old, or bankruptcies that are more than ten years old.

The FCRA allows consumers to place a fraud alert or credit freeze on their credit report. A fraud alert warns potential creditors that the consumer's identity may have been stolen. A credit freeze prevents creditors from accessing the consumer's credit report without the consumer's consent.



Consumers should review their credit reports regularly to make sure that the information is accurate and up-to-date. If consumers find any inaccurate information on their credit reports, they should dispute the information with the CRA that reported it."



Google Bard

Settled and dismissed with prejudice.