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Case Number: 4:23-cv-00062
Judge: Arenda L. Wright Allen
Court: United States District Court for the Eastern District of Virginia (Newport News County)
Plaintiff's Attorney: Susan Rotkis
Defendant's Attorney: John Montgomery
Description: Newport News, Virginia consumer credit lawyer represented Plaintiff who sued Defendant on a Fair Credit Reporting Act violation theory.
"The Fair Credit Reporting Act (FCRA) is a federal law that protects consumers' rights in the context of credit reporting. The FCRA regulates the way credit reporting agencies (CRAs) collect, access, use, and share the data they collect in your credit reports.
The FCRA gives consumers the right to:
Request a copy of their credit report from each of the three major CRAs once per year: You can request your credit reports online, by mail, or by phone.
Dispute inaccurate information in their credit report: If you find any inaccurate information in your credit report, you can dispute it with the CRA. The CRA must investigate your dispute and correct any inaccurate information.
Place a fraud alert on their credit report: A fraud alert is a free service that tells creditors to take extra steps to verify your identity before opening a new account in your name.
Place a security freeze on their credit report: A security freeze prevents creditors from accessing your credit report without your permission.
The FCRA also prohibits CRAs from:
Including inaccurate information in your credit report: CRAs must only include accurate information in your credit report.
Discriminating against you because you have requested a copy of your credit report: CRAs cannot refuse to provide you with a copy of your credit report or charge you a fee for it because you have requested a copy of your credit report.
Selling your credit report to anyone who does not have a legitimate need for it: CRAs can only sell your credit report to businesses that have a legitimate need for it, such as creditors, insurance companies, and employers.
If you believe that your rights under the FCRA have been violated, you can file a complaint with the Consumer Financial Protection Bureau (CFPB). The CFPB is a government agency that enforces the FCRA.
You can also file a lawsuit against the CRA that violated your rights. However, you may need to hire an attorney to file a lawsuit.
The FCRA is a complex law, but it is important to know your rights under the law. By understanding your rights, you can protect yourself from inaccurate information in your credit report and from discrimination."
Outcome: 08/02/2023 12 STIPULATION of Dismissal by Adrianna Nicole Ricks. (Rotkis, Susan) (Entered: 08/02/2023)