Gildardo Lugo Cerbantes v. Equifax Information Services, LLC., et al.

Oakland, California, consumer credit lawyer represented the Plaintiff who sued on a Fair Credit Reporting Act violation.

The Fair Credit Reporting Act (FCRA) is a U.S. federal law regulating how consumer credit information is collected, used, and shared, promoting accuracy, fairness, and privacy for consumers. It gives consumers rights to access their credit reports, dispute inaccuracies, know when their report is used for adverse actions (like loan denial), and place fraud alerts or security freezes. The FCRA applies to credit bureaus (like Experian, Equifax, TransUnion) and other consumer reporting agencies, and is enforced by the FTC and CFPB.
Key Protections & Rights Under FCRA:

Access & Accuracy:
You have the right to a free annual credit report from each bureau and to dispute inaccurate information for investigation.

Privacy:
Information can only be shared for specific, permissible purposes (e.g., credit, employment, insurance, housing) with consumer consent or legal authorization.
Adverse Action Notice:
If denied credit, insurance, or employment based on a report, you must be notified and given the agency's name and contact info.
Identity Theft Protection:
Rights to place fraud alerts (initial and extended) and security freezes to prevent unauthorized credit access.

What it Covers:

Consumer Reporting Agencies (CRAs):
Credit bureaus, tenant screening services, medical info companies, and others.

Furnishers:
Entities that provide info to CRAs (like lenders) have duties to investigate disputes.
Users:
Those who pull reports (employers, landlords, lenders) must follow FCRA rules, including getting consent and providing notices.

Enforcement:

Enforced by the FTC and CFPB, Bureau of Justice Assistance, and through private lawsuits.

Settled for an undisclosed sum and dismissed.