Date: 10-11-2024

Case Style:

Theodore Holloway, Jr. v. Transunion, LLC, et al.

Case Number: 2:23-cv-00404

Judge: Joshua D. Wolson

Court: United States District Court for the Eastern District of Pennsylvania (Philadelphia County)

Plaintiff's Attorney:

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Defendant's Attorney: Mohammad A. Ghilasuddin and William P. Reiley

Description:

Philadelphia, Pennsylvania consumer credit lawyer represented the Plaintiff.

The Fair Credit Reporting Act (FCRA) protects consumers from the misuse and misreporting of their credit information. Some common violations of the FCRA include:

Inaccurate information: Reporting incorrect information on a credit report, such as an incorrect balance, account status, or payment history

Inaccurate dates: Reporting an incorrect date for a credit event, such as a missed payment
Inaccurate creditors: Reporting a creditor or lender that doesn't exist or with whom the consumer has no financial dealings
Unauthorized access: Accessing a consumer's credit report without proper authorization
Improper handling of opt-out requests: Failing to provide a simple process for consumers to opt out of unsolicited credit and insurance offers
Failure to investigate disputes: Failing to investigate or correct inaccuracies on a consumer's credit report within 30 days
Reporting information that doesn't belong to you: Reporting information from someone else's credit file
Failing to update credit information: Failing to update credit information after a dispute has been resolved
Failing to block and remove identity theft information: Failing to block and remove information that is the result of identity theft

Violations of the FCRA can have a negative impact on consumers, such as making it difficult to obtain credit, being denied employment, or being turned away when trying to rent an apartment.
The statute of limitations for filing a suit for an FCRA violation is two years after the date the violation was discovered, or five years after the date of the violation, whichever comes first.

Outcome: Settled for an undisclosed sum and dismissed with prejudice.

Plaintiff's Experts:

Defendant's Experts:

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