Defendant's Attorney: No appearance

Description: Santa Ana, California consumer credit lawyer represent the Plaintiff who sued the Defendant on a Fair Credit Reporting Act violation theory.

"The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection, use, and disclosure of consumer credit information. The FCRA is designed to protect consumers from inaccurate or misleading credit reports, and to ensure that consumers have access to their credit reports and can correct any errors.

The FCRA applies to consumer reporting agencies (CRAs), which are companies that collect and sell consumer credit information. The FCRA also applies to lenders and other businesses that use consumer credit reports to make decisions about consumers.

The FCRA requires CRAs to provide consumers with access to their credit reports upon request. Consumers can obtain a free copy of their credit report from each of the three major CRAs once per year. Consumers can also obtain a free copy of their credit report if they have been denied credit, insurance, or employment based on their credit report.

The FCRA prohibits CRAs from furnishing consumer credit reports to businesses without the consumer's consent. The FCRA also requires businesses to obtain the consumer's consent before using a consumer credit report to make a decision about the consumer.

The FCRA requires CRAs and businesses to investigate any disputes that consumers have about their credit reports. If a CRA or business finds that a consumer's credit report is inaccurate, it must correct the report.

If you believe that your credit report is inaccurate or misleading, you can file a dispute with the CRA that furnished the report. The CRA must investigate the dispute and correct the report if it finds that it is inaccurate. If the CRA does not correct the report, you can file a dispute with the Consumer Financial Protection Bureau (CFPB).

Here are some examples of FCRA violations:

A CRA furnishing a consumer credit report to a business without the consumer's consent
A business using a consumer credit report to make a decision about the consumer without the consumer's consent
A CRA failing to investigate a consumer's dispute about their credit report
A CRA failing to correct a consumer's credit report if it finds that it is inaccurate

The FCRA is a powerful law that protects the rights of consumers. If you believe that your rights have been violated under the FCRA, you should contact an attorney to discuss your options."

Google Bard

Outcome: 10/19/2023 13 Joint STIPULATION to Dismiss Case pursuant to Settled filed by Plaintiff Steve Terao.(Muhtaseb, Ibrahim) (Entered: 10/19/2023)

Plaintiff's Experts:

Defendant's Experts:

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