Defendant's Attorney: Alexandria Epps, Linda S. LaRue, Charlotte A. Long
Description: Fort Myers, Florida consumer credit lawyer represented Plaintiff who sued Defendant on a Fair Credit Reporting Act violation.
The Fair Credit Reporting Act (FCRA) is a federal law that protects consumers' rights to accurate and complete information in their credit reports. The FCRA also regulates how credit reporting agencies collect, use, and share consumer information.
The FCRA gives consumers the right to:
Obtain a free copy of their credit report from each of the three major credit reporting agencies once a year.
Dispute any inaccurate or incomplete information in their credit report.
Place a fraud alert on their credit report to prevent identity theft.
Obtain a credit freeze to prevent creditors from accessing their credit report without their permission.
The FCRA also requires credit reporting agencies to:
Follow reasonable procedures to ensure the accuracy and completeness of the information in their reports.
Provide consumers with a copy of their report within 30 days of receiving a request.
Investigate disputed information and correct any inaccuracies.
Notify consumers of any adverse action taken against them based on their credit report.
The FCRA is an important law that helps to protect consumers from inaccurate and incomplete information in their credit reports. If you believe that there is inaccurate or incomplete information in your credit report, you can dispute the information with the credit reporting agency. The credit reporting agency is required to investigate your dispute and correct any inaccuracies.
Here are some additional resources about the Fair Credit Reporting Act:
Federal Trade Commission: https://www.ftc.gov/credit
Consumer Financial Protection Bureau: https://www.consumerfinance.gov/
AnnualCreditReport.com: https://www.annualcreditreport.com/
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Outcome: 07/11/2023 58 ENDORSED ORDER dismissing this action without prejudice per the Notice of Settlement as to Defendant Trans Union, LLC (Doc. 57). If no party files another paper per Local Rule 3.09(b) on or before August 10, 2023, then this action will be dismissed with prejudice. The Clerk is DIRECTED to deny all pending motions as moot, terminate any deadlines, and administratively close the case. Signed by Judge Sheri Polster Chappell on 7/11/2023. (LAH) (Entered: 07/11/2023)
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