John has been admitted to practice before the United States Supreme Court, United States Courts of Appeals for the First, Second, Third, Fourth, Sixth, Seventh, Ninth and Eleventh Circuits, the United States District Courts for the District of Colorado, Eastern District of Michigan, Eastern District of Pennsylvania, and the District of New Jersey, as well as the state courts of Pennsylvania and New Jersey. He has also successfully litigated cases on a pro hac vice basis throughout the country.
John is known for his ability to tackle a wide array of novel and complex legal problems. A sampling of is recent cases is set forth below: False Terrorist Alerts on Credit Reports
Unlawful College Charges and Student Loans
- Kang v. Credit Bureau Connection, Inc., No. 18-01359, 2022 WL 658105 (E.D. Cal. Mar. 4, 2022) (certified class of car buyers in case involving the reporting of inaccurate OFAC “terrorist” alerts appearing on the credit reports of innocent American consumers) (also appointed class counsel and represented classes of similar consumers for false OFAC alert claims in Patel v. Trans Union, LLC, 308 F.R.D. 292 (N.D. Cal. 2015) and Ramirez v. Trans Union, LLC, 301 F.R.D. 408 (N.D. Cal. 2014); see also Ramirez v. Trans Union LLC, 951 F.3d 1008 (9th Cir. 2020) (upholding certification of entire class, but revered for potion of class that lacked Article III standing per Trans Union LLC v. Ramirez, 141 S. Ct. 2190 (2021)).
Negligent Recalls of Defective Products
- Teran v. Navient Sols. (In re Teran), No. 10-31718, 2022 Bankr. LEXIS 381 (Bankr. N.D. Cal. Feb. 15, 2022) (summary judgment ruling siding with class of student debtors who had collection efforts taken again them even though certain of their student loans were discharged in their bankruptcies);
- Weiman v. Miami Univ., Case Nos. 2020-00614JD, 2020-00644JD (OH Ct. of Claims, Dec. 13, 2021) (certifying class of students seeking Covid-19 related refunds from university following campus shutdown due to pandemic) and Botts v. Johns Hopkins Univ., No. 20-1335, 2021 WL 1561520 (D. Md. Apr. 21, 2021) (leading decision in litigation against universities for class of undergraduate and graduate students claiming overcharging during the Covid-19 pandemic, upholding breach of contract and unjust enrichment claims).
Credit Reporting Errors and Problems
- Dukich v. IKEA US Retail LLC, No. 20-2182, 2021 WL 1534520 (E.D. Pa. Apr. 19, 2021) (recognizing negligent recall theory in class case involving the recall of tens of millions of defective dressers which can tip over and injure or kill small children).
Tenant and Employment Screening Violations
- Norman v. Trans Union, LLC, 479 F.Supp.3d 98 (E.D. Pa. Aug. 14, 2020) (first court to certify class action for credit report agency’s failure to investigate hundreds of thousands of consumer disputes of certain inquiries disputed as unauthorized); followed by Rivera v. Equifax Info. Servs., LLC, No.18-4639, 2022 WL 986443 (N.D. Ga. Mar. 30, 2022) (certifying even larger class of over 300,000 consumers for same claim).
- McIntyre v. RealPage, Inc., 336 F.R.D. 422 (E.D. Pa. Aug. 25, 2020) (certifying claim on behalf of tenant applicants for improper reporting of stale eviction records against them in largest tenant screening class to date);
- Kelly v. Business Information Group, No. 15-6668, 2019 WL 414915 (E.D. Pa. Feb. 1, 2019) (as part of approval of multi-million-dollar class settlement requiring employment background screener to provide important “same time” notice to job candidates of any adverse information being included in their background reports);
- Leo v. AppFolio, Inc., No. 17-5771, 2018 WL 623647 (W.D. Wash. Jan. 30, 2018) (upholding class action claims against start-up tenant screening company);
- Flores v. Express Personnel, No. 14-03298, 2017 WL 1177098 (E.D. Pa. Mar. 30, 2017) (certifying settlement class regarding improper background screening practices by a job placement agency).
Throughout his career, John has litigated some of the most groundbreaking consumer rights cases including several cases involving issues of first impression. The following is a list of cases involving complex and novel issues that John had litigated through the years:
- Clark v. Trans Union, LLC, No. 15-391, 2017 WL 814252 (E.D. Va. Mar. 1, 2017) (certifying one of first misreported public records FCRA classes);
- Magallon v. Robert Half International, Inc., 311 F.R.D. 626 (D. Or. Nov. 10, 2015) (one of few cases certifying a 5-year FCRA class on contest for failure to timely disclose adverse temp-placement decisions against job placement agency);
- Seamans v. Temple University, 744 F.3d 853 (3d Cir. 2014) (reversing summary judgment for credit furnisher concerning improperly reported old student loan debt, and setting standard for certain delinquent student debt cannot be reported to the credit agencies after seven-and-a-half years);
- Schwartz v. Aracor Search & Abstract, Inc., No. 13–870, 2014 WL 4493662 (E.D. Pa. Sept. 11, 2014) (upholding compensatory and punitive damages judgment against title company that misappropriated certain funds at real estate closing);
- Ferguson v. Wells Fargo Bank, NA, 538 Fed. Appx. 782 (9th Cir. 2013) (reversing summary judgment for bank that failed to remove bankruptcy notation from consumer’s credit report);
- King v. General Info. Servs., Inc., 903 F. Supp. 2d 303 (E.D. Pa. 2012) (first court to uphold constitutionality of FCRA’s obsolescence provision for old or outdated background history);
- Howley v. Experian Info. Solutions, Inc., 813 F. Supp. 2d 629 (D.N.J. 2011) (first court to find that consumer may sue agency that improperly disclosed information to an identity thief);
- Adams v. LexisNexis Risk & Info. Analytics Group, Inc., No. 08–4708, 2010 WL 1931135 (D.N.J. May 12, 2010) (first court to find that consumers may sue under FRCA over information in specialty Accurint report used by debt collectors and others) (leading to Berry v. LexisNexis Risk & Info. Analytics Group, Inc., No. 11-754, 2014 WL 4403524 (E.D. Va. Sept. 5, 2014) and resulting in one of largest consumer class action settlements with LexisNexis);
- Cortez v. Trans Union, LLC, 617 F.3d 688 (3d Cir. 2010) (upholding first ever court finding that false terrorist/OFAC alerts are subject to the FCRA, also upholding punitive damages of case tried by same counsel before a jury at the district court level, Cortez v. Trans Union, LLC, No. 05-5684 (E.D. Pa. Apr. 26, 2007));
- Chakejian v. Equifax Info. Servs., LLC, 256 F.R.D. 492 (E.D. Pa. 2009) (first certified class action under FCRA section 1681i regarding consumer disputes);
- Shames-Yeakel v. Citizens Financial Bank, 677 F. Supp. 2d 994 (N.D. Ill. 2009) (first court to rule that consumer may proceed to jury trial on claim that bank breached its duty to sufficiently secure its online banking system).
John is also a regular lecturer on consumer matters, including for the National Business Institute, National Consumer Law Center, Practicing Law Institute, National Association of Consumer Advocates, and other organizations. John has been interviewed and quoted concerning many legal issues affecting consumers by a wide range of media outlets, from the Wall Street Journal and Forbes Magazine to Consumer Reports and Free Speech Radio. He has authored several popular and scholarly articles, including CFPB Tries to Nip New Wave of Unlawful Medical Debt Collection in the Bud (The Legal Intelligencer Apr. 1, 2022), Predatory Lending, the FCRA and the FDCPA (NBI 2009), and How Can I Combat Identity Theft (Philadelphia Magazine, Dec. 2008).