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Equifax Information Services, Bank of America and General Motors Financial Company have been hit with a class action lawsuit from a consumer who claims she is a victim of inaccurate credit reporting by Equifax.
Plaintiff Bella Rabinowitv says she disputed an inaccurate item associated with Bank of America and GM Financial that appeared on her Equifax credit report on Nov. 6, 2019.
Equifax reportedly told Rabinowitv that they would investigate the dispute but failed to resolve it, so she filed a statement of dispute with the company.
The plaintiff then obtained another credit report in December 2019, and saw that Equifax had not included her statement of dispute on her updated credit report.
The Equifax class action lawsuit states that Equifax then issued consumer reports without telling the users of the reports that certain information was disputed by the plaintiff and did not include a copy of the plaintiff’s statement of dispute.
“Equifax Information Services, LLC intentionally failed to include the statement of dispute with later copies of the Plaintiff’s consumer reports,” the Equifax class action lawsuit claims.
Rabinowitv alleges that the statement of dispute letter was sent after her request for a reinvestigation displayed “no change” in the status of her credit report account.
The plaintiff says the defendants have violated the Fair Credit Reporting Act (FCRA) as she disputes the accuracy of the information on her credit file.
“Despite having furnished information from Bank of America Corporation and GM Financial and the disputes from the Plaintiff, Equifax Information Services, LLC has completely abdicated its obligations under federal and state law and has instead chosen to merely ‘parrot’ whatever its customers, Bank of America Corporation and GM Financial have chosen to say,” alleges the Equifax class action lawsuit.
The plaintiff also claims that Bank of America and GM Financial have promised to update their accounts based on the statement of dispute but have “willfully, maliciously, recklessly, wantonly, and/or negligently failed” to follow this requirement, as well as the requirements put forth by the FCRA.
The Equifax class action alleges that a furnisher is liable for its failure to participate in the investigation after it receives notice from the credit reporting agency (CRA) of the consumer’s dispute. In addition, the class action lawsuit states that a failure of the CRA to send the dispute to the furnisher would relieve the furnisher of its obligations.
“Any furnisher who negligently fails to comply with any of its investigation duties is liable to the consumer for actual damages, the costs of litigation, and attorney fees. If the violation is willful, the furnisher is liable for actual damages or minimum statutory damages between $100 and $1000, for punitive damages, as well as for costs and attorney fees,” the Equifax class action lawsuit states.
Have you had any disputes with Equifax Information Services? Let us know in the comment section below.
The plaintiff is represented by Adam J. Fishbein of Adam J. Fishbein PC.
The Equifax Credit Report Class Action Lawsuit is Rabinowitv v. Equifax Information Services LLC, et al., Case No. 1:20-cv-00496, in the U.S. District Court for the Eastern District of New York.
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610 thoughts onEquifax Class Action Alleges Inaccurate Credit Report
Add me please
And me to lawsuit please I got denied a card , and they efected my score
Equifax DATA BREACHES has ruined my life and my BUSINESS and my credit report when they exposed my identity information and because of this I can’t get any credit cards accounts and they allowed scammers and hackers to apply for credit cards accounts and home loans and car insurance COVERAGE and everything else and it is to the POINT THAT I have to change my Social Security number and they use my identity information to ROB all my money from all of my bank accounts and my credit report is RUINED and they still haven’t helped me recover my identity or my credit report and my stolen money and I filed a identity theft insurance claim that Equifax offers and they have been PUTTING me through EVERYTHING when they are the reason why I am homeless and I lost my BUSINESS and I will NOT let them get AWAY with it and EVERYTHING THAT they did to me and I am supposed to receive free credit report monitoring services and they are trying to charge me for it please help me with this situation I had a temporary MENTAL breakdown because of this situation thank you
Add me please!
still fighting threw today still on report still fighting still getting pissed
I dispute with Equifax was not resolved. The bad info hurt our ability to purchase a home among other things.
Add me!
Add me
They reported I was deceased
They reported I was deceased.
Yes I have had serval disputes with deceptive cons Experian . I was told it will remain on my credit report if I don’t pay them . They’re extremely rude and disrespectful to consumers considering how things just can appear on your credit without limited knowledge of the company information . All the harassing calls and threatening to take action against me. .
Please add me to this class action case.
I had my information including my ss number birthday phone number and address leaked on the dark web through the T-Mobile and Abe and now equifax data breach, I have numerous hard inquiries and credit cards on my credit reports. I have disputed and requested an identity theft program for free to protest me and have no response, or reimburse for charges tacked up on my cards. Help me,
Please add and help me
I have also had my information leaked from T-Mobile and Equifax. This was nightmare to sort through. T-Mobile offers “free”McAfee monitoring. Dark web has my information. I’ve had to struggle through daunting process to find out how to fix what they couldn’t protect. If the information like SS#, DL#, Address, DOB, phone number and email address are not enough, I finally figured out someone had opened a Capital One credit card on my name and wasn’t paying it. When I filed a FTC report I found the steps to protect my information from further damage or fraud. Currently have alert on credit report,but I still not sure if things are being followed up by the people we have to trust again. It leaves my wondering long this was going on and I didn’t know.
Add me they gave me wrong score my data was breach I have emails and letters and pics
the equifax credit bureau had a data breach and my information is now on the dark web, and so is all of my identifying information . add me