How to Sue Equifax for Unsettled Credit Report Error Dispute

What’s on an Equifax Credit Report?

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.

Errors on your Equifax Credit Report

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Common credit report errors include clerical errors, outdated information and merged accounts.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.

How to File an Equifax Credit Report Dispute

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.

Different Ways to Submit an Equifax credit dispute:

There are three ways you can file an Equifax credit report dispute:

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.

How Can I Sue Equifax?

After you file an Equifax dispute, Equifax has 30 days to verify that the information is incorrect and fix the mistake.

If 30 days pass and your Equifax disputes don’t correct the mistake, you can 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.

Equifax Lawsuits, Cases, or Complaints

The following are cases or complaints filed by Francis Mailman Soumilas, P.C.
If any of the below has happened to you, find out if you have a case by call us at 1-877-735-8600 or fill the online form for a free case review.

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. – Equifax and Hyundai, as the furnisher of information, were reporting the clients Hyundai account inaccurately as a charge off, when in fact it was paid in full, closed and never late. The client disputed the reporting to Equifax and Hyundai and both failed to conduct a reasonable investigation and continued to report the inaccurate information. As a result, the client was given a higher interest rate on a construction loan. to date, the clients Equifax report(s) have not been corrected.

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.

What to Know About the Equifax Data Breach

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.

Consumer Law Firm Francis Mailman Soumilas, P.C. Can Help

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 an call 1-877-735-8600 for a free case review.

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