Date: 10-21-2024

Case Style:

Monique Naves v. Trans Union, LLC

Case Number: 0:24-CV-6081

Judge: Rodney Smith

Court: United States District Court for the Southern District of Florida (Broward County)

Plaintiff's Attorney:

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Defendant's Attorney: Ritika Singh and Brooks Charles Rather

Description:

Fort Lauderdale, Florida Fair Credit Reporting Act consumer credit lawyers represented the Plaintiff.

The Fair Credit Reporting Act (FCRA) is a federal law that protects the accuracy, fairness, and privacy of consumer information:

Scope

The FCRA applies to consumer reporting agencies (CRAs), which collect and sell consumer information, and to parties that use or supply consumer information to CRAs.

Purpose

The FCRA's purpose is to promote the accuracy, fairness, and privacy of consumer information.

Rights

The FCRA gives consumers rights to access and correct their information, and to limit how their information is used.

Obligations

The FCRA imposes obligations on CRAs and parties that use or supply consumer information to CRAs. For example, CRAs must follow reasonable procedures to protect the confidentiality and accuracy of consumer information. Parties that use consumer information for credit, insurance, or employment purposes must notify the consumer if adverse action is taken based on the information.

Violations

Violations of the FCRA can result in fines, damages, attorney fees, and criminal charges.
Examples of consumer rights

You can request that your name be removed from marketing lists.

You can place an active duty alert in your credit report if you are active duty military personnel.

You can know if a person has taken adverse action against you because of information in your credit report.

You can know if your file contains inaccurate information as a result of fraud.

Outcome: Settled and dismissed with prejudice.

Plaintiff's Experts:

Defendant's Experts:

Comments: