Defendant's Attorney: Matthew Thomas Mitchell for Credit Acceptance Corporation

Monique Nicole Eloi Experian Information Solutions, Inc.

Description: West Palm Beach, Florida consumer credit lawyer represented 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 reports. The FCRA is designed to protect consumers' privacy and ensure the accuracy of their credit reports.

Under the FCRA, consumer reporting agencies (CRAs) are required to provide consumers with a free copy of their credit reports each year. CRAs are also required to investigate any disputes that consumers have about their credit reports.

The FCRA prohibits CRAs from reporting inaccurate information about consumers. CRAs must also remove negative information from credit reports after a certain period of time.

The FCRA also prohibits businesses from using credit reports to discriminate against consumers. For example, a business cannot refuse to rent an apartment to someone because of their credit history, unless the person has a history of not paying their rent.

The FCRA is an important law that protects consumers' privacy and rights. If you have any questions about the FCRA, you should contact the Consumer Financial Protection Bureau (CFPB).

Here are some of the key provisions of the FCRA:

Consumers have the right to obtain a free copy of their credit reports from each of the three major CRAs once per year.
Consumers have the right to dispute any inaccurate information on their credit reports. CRAs must investigate disputes and correct any inaccurate information within 30 days.
CRAs are prohibited from reporting negative information about consumers that is more than seven years old, or bankruptcies that are more than 10 years old.
Businesses are prohibited from using credit reports to discriminate against consumers.

If you believe that your rights under the FCRA have been violated, you can file a complaint with the CFPB. You can also contact an attorney to discuss your legal options."

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Outcome: 10/10/2023 Deadline(s)/Hearing(s) terminated. (hk02) (Entered: 10/10/2023)
10/10/2023 25 ORDER CLOSING CASE. Signed by Judge Robin L. Rosenberg on 10/10/2023. See attached document for full details. (jas) (Entered: 10/10/2023)

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Defendant's Experts:

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