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Date: 06-07-2021

Case Style:

Missy Jones v. Consumer Portfolio Services, Inc.

Case Number: 1:21-cv-00023

Judge: Steven C. Seeger

Court: United States District Court for the Northern District of Illinois (Cook County)

Plaintiff's Attorney:


Misappropriation of Trade Fair Credit Reporting Actets Lawyer Directory


Defendant's Attorney: Jeffrey D. Pilgrim and Alan Ritchie

Description: Chicago, Illinois consumer credit lawyer represented Plaintiff, who sued Defendant for violating the Fair Credit Reporting Act (15 U.S.C. 1681), which provides:

(a) Accuracy and fairness of credit reporting

The Congress makes the following findings:

(1) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

(2) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

(3) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

(4) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer's right to privacy.
(b) Reasonable procedures

It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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

Plaintiff's Experts:

Defendant's Experts:

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