Equifax is one of the three biggest credit reporting agencies and screening services to consumers and businesses regarding an individual’s credit and background information.
Some of Equifax’s services include:
You have the right to request and view a copy of your Equifax credit report. Regularly monitoring your Equifax file and the information on it can help you catch errors early on and correct them.
The consequences of an error on your credit report include:
Common credit report errors include clerical errors, outdated information and merged accounts. If you don’t recognize account activity on your Equifax credit report, that could be a sign of identity theft or other costly errors.
Under the Fair Credit Reporting Act (FCRA), you have a right to request a copy of your Equifax credit report, give consent to who can see your file, and know when a credit report is used against you. The FCRA gives you the right to dispute Equifax for an error on your credit report and have the error removed.
An Equifax credit report dispute can be done in the following ways:
Once you submit your Equifax dispute, Equifax has a 30-day window to verify and correct the mistake. In the meantime, you can see your Equifax dispute status online.
If you receive your Equifax dispute results and see that the error was not fixed, you have the right to sue Equifax.
The attorneys at Francis Mailman Soumilas, P.C. are ready to help you sue Equifax for unresolved credit report errors. Get your free case review and call us toll-free at 1-877-735-8600 today.
The following are recent Equifax cases filed by Francis Mailman Soumilas, P.C..
If you have experienced any of the following situations, you too may have a case against Equifax.
Traina v. Specialized Loan Servicing, Trans Union, Equifax and Experian. Plaintiffs’ mortgage servicer was Specialized Loan Servicing. When the pandemic began, just like so many other homeowners, the plaintiffs were hit with financial stress, and qualified for, and agreed to, a forbearance. Despite the forbearance agreement being in place, Specialized Loan Servicing began reporting to Trans Union, Experian, and Equifax that plaintiffs were late on their mortgage payments. Despite multiple disputes, Specialized Loan Servicing, Trans Union, Experian and Equifax all failed to correct the inaccurate reporting, and Plaintiffs suffered financial damage as a result.
Harris v. Equifax. Middle District of North Carolina – Plaintiff and his father have the same first and last name. Equifax mixed Plaintiff’s file with his father’s file resulting in a medical collection account belonging to his father being placed on Plaintiff’s Equifax credit report. Plaintiff disputed to Equifax and the account was verified. As a result, Plaintiff has been delayed in purchasing a piece of land.
Harris v. Bull City Financial Solutions Middle District of North Carolina – Plaintiff and his father have the same first and last name. Bull City did not provide complete personal identifying information about the account at issue when it reported the debt to Equifax thus leading to Equifax mixing the files. Additionally, Bull City did not conduct a reasonable investigation of Plaintiff’s dispute when it received the dispute from Equifax.
Aquilla Tate v. Equifax Information Services. Middle District of North Carolina. Plaintiff has her brother’s auto loan reporting on her Equifax credit report. Plaintiff and her brother are twins and have very similar first names. As a result of Equifax mixing her file, Plaintiff was denied for an auto loan.
Michael Ruzbarsky v. Eqiufax. Plaintiff is the victim of identity theft. He disputed two fraudulent accounts with Equifax and included a police report and an identity theft affidavit. Equifax failed to block the fraudulent accounts and verified them as accurate.
Barbara Williams v. Equifax. Plaintiff had two medical collection accounts on her Equifax credit report. The accounts belong to her adult son form whom she is not responsible. Plaintiff disputed the two inaccurate collections accounts with Equifax. Equifax failed to perform a reasonable investigation into Plaintiff’s disputes and verified the collection accounts as accurate.
Jermaine Cobbins v. Equifax. – When Plaintiff traded his car into an auto dealership, the dealership failed to make a timely payoff to Capital One. The late payment made by the dealership was then listed on the Plaintiff’s Equifax credit report. The dealership acknowledged the error and the Plaintiff disputed the late payment on his auto loan to Equifax with a letter from the dealership. Despite the letter from the dealership Equifax verified that the Plaintiff made a late payment. Plaintiff had no other late payments.
Yandell v. Equifax and Hyundai. – Defendants are reporting inaccurate information relating to Plaintiff and Plaintiff’s credit history. The inaccurate information is an auto lease with Hyundai that was inaccurately reporting as a charge-off on Plaintiff’s credit report, when in fact the account was paid, closed and never late. Plaintiff disputed the inaccurate information with Defendant Equifax. Despite Plaintiff’s dispute, Equifax and Hyundai failed to correct the inaccurate reporting. As a result Plaintiff received a higher interest rate on a construction loan and is worried that the inaccurate information will not be corrected in the future.
McCants v. Equifax and 21st Mortgage Company. – Plaintiff was marked as deceased on her Equifax credit report; specifically on her 21st Mortgage account trade line. She disputed to Equifax and both Equifax and 21st mortgage failed to correct this inaccurate information. As a result she was denied and auto loan.
LaPeruta v. Experian, TransUnion, Equifax and Navient. – Plaintiff’s credit reports are inaccurate. The inaccurate information is at least 2 accounts from Dept. of Ed./Navient; SS#s; addresses; and phone numbers that do not belong to her but belong to another person. Due to the faulty procedures of Experian, TransUnion and Equifax, the Plaintiff was mixed with at least one other consumer on her credit reports. Plaintiff disputed the inaccurate information and it was not corrected by any of the bureaus. She was denied a mortgage.
Pauline Odeyemi v. Eqiufax. – Plaintiff is the victim of identity theft. She disputed two fraudulent accounts with Equifax and included a police report and an identity theft affidavit. Equifax failed to block the fraudulent accounts and verified them as accurate.
Stefanie Jones v. Equifax. – Ms. Jones was inaccurately marked as deceased by Equifax. Ms. Jones disputed the inaccuracy, and it was verified as accurate. As a result of the inaccurate deceased reporting, Ms. Jones was unable to get a credit card.
Ronald Barrett v. Equifax. – Mr. Barrett was inaccurately marked as deceased by Equifax. As a result of the inaccurate deceased reporting, Mr. Barrett was unable to get an auto loan.
Thomas v. Equifax Info. Services, LLC, No. 18-cv-684 (E.D. Va.). National Class Counsel in FCRA class action, alleging violations by credit bureau for misreporting public records, providing nationwide resolution of class action claims asserted across multiple jurisdictions, including injunctive relief, and an uncapped mediation program for millions of consumers.
Sullivan v. Equifax, Inc. et al., 2002 U.S. Dist. LEXIS 7884 (E.D. Pa. 2002) – federal court held that reporting a debt to a credit reporting agency is a communication covered by the Fair Debt Collection Practices Act.
If you have errors on your Equifax credit report that you have tried to dispute but they keep being reported, we can help. The consumer protection attorneys at Francis Mailman Soumilas, P.C. have been fighting for consumers like you for over 20 years against false credit reporting.
You have rights under the FCRA that protect you from false information on your consumer reports. Assert your rights today and call 1-877-735-8600 for a free case review.
In 2017, a breach in Equifax’s databases exposed the personal and sensitive information of 143 million Americans. From mid-May to July, hackers had access to consumer’s names, addresses, dates of birth, Social Security numbers and driver’s license numbers.
In the aftermath of the Equifax data breach, you can place a credit freeze on your files. It’s important to monitor your file closely and make sure there is no error on your Equifax credit report.