Date: 10-15-2024

Case Style:

Jill Boatman v. JP Morgan Chase & Co.

Case Number: 2:24-cv-01335

Judge: Michael H. Watson

Court: United States District Court for the Southern District of Ohio (Franklin County)

Plaintiff's Attorney:

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Defendant's Attorney: Amy C. Cooper

Description:

Columbus, Ohio Fair Credit Reporting Act violation consumer credit lawyer represented the Plaintiff.

The Fair Credit Reporting Act (FCRA) is a federal law that protects the privacy, accuracy, and fairness of consumer information. The FCRA regulates the collection, maintenance, and disclosure of personal information by consumer reporting agencies (CRAs). CRAs include credit bureaus, medical information companies, and tenant screening services.
Here are some of the rights and obligations protected by the FCRA:

Consumer rights

Consumers have the right to access and correct their credit information, place a security freeze on their credit report, and opt out of unsolicited credit and insurance offers.

CRA obligations

CRAs must follow reasonable procedures to protect the confidentiality of consumer information. They must also provide notice to consumers when adverse actions are taken against them based on their credit reports.

Third-party obligations

Companies that provide information to CRAs must investigate disputed information.

Active duty military alerts

Active duty military personnel can place alerts on their credit reports to require creditors to take extra steps to verify their identity.

Violations

Violations of the FCRA may result in fines of $100–$1,000, actual and punitive damages, attorney fees, or criminal charges.

The FCRA was enacted in 1970 and has been amended many times since then.

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

Plaintiff's Experts:

Defendant's Experts:

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