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Equifax’s consumer credit reports are inaccurate in violation of the Fair Credit Reporting Act, according to a new class action lawsuit filed in Philadelphia.
Plaintiff Bart Springer states that in 2013, a tax lien for $6,700 was filed against him, and in March 2016, he paid off the lien.
Springer argues that the tax lien should have been removed from his credit report in August 2016, when the paperwork for the lien was filed.
He states that instead, Equifax Information Services LLC left the lien on his credit report until at least February 2017, when he applied for a loan.
Springer claims that Equifax knowingly publishes inaccurate public records about individuals. He alleges that Equifax uses an independent vendor to research consumers, but that the vendor only is required to report tax liens and judgements, and only is required to provide additional information on an individual if that information is “commercially viable.”
The Equifax class action lawsuit argues that the requirement to only pursue more information that is “commercially viable” leads the company to more vigorously investigate negative information about consumers than positive information. Springer says the fact that his tax lien remained on his Equifax credit record is symptomatic of this practice.
He states that “in short, Equifax published public records data that it knew would be inaccurate if a release, satisfaction, dismissal, vacated or appeal had occurred — relying on consumers to clean up their own lies via the dispute process after learning of the inaccuracy, rather than paying to have these dispositions collected with the same vigor that it collected records o the initial entry of judgement.”
Thus, the Equifax class action claims that Equifax’s practice put the responsibility of maintaining accurate records on the consumer, as oppose to the company itself, who should have been responsible for maintaining accurate records in accordance with the FCRA.
Springer claims that the FCRA requires consumer reporting agencies like Equifax to “follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates,” and that Equifax failed to fulfill this requirement.
The Equifax credit report class action lawsuit goes on to claim that Equifax willfully violated the FCRA by publishing inaccurate records. The Equifax inaccurate credit report class action lawsuit argues that “as a result of Equifax’s conduct, [Springer and other consumers] suffered particularized and concrete injuries, including damages to their reputations, reductions to their credit scores, and increased risks that they would be denied credit.”
Springer claims that this practice is consistent across the company, and that thousands of other consumers are similar affected. In addition, the plaintiff claims these consumers have been financially and emotionally injured as a result of Equifax’s alleged failure to maintain accurate records.
Through the Equifax FCRA violation class action lawsuit Springer seeks damages for himself and other affected consumers.
The plaintiff is represented by Shanon J. Carson, E. Michelle Drake and John G. Albanese of Berger & Montague PC and Michael K. Yarnoff of Kehoe Law Firm PC.
The Equifax False Credit Reports Class Action Lawsuit is Bart Springer v. Equifax Information Services LLC, Case No. 180501040, in the Philadelphia Court of Common Pleas.
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1,236 thoughts onEquifax Class Action Lawsuit Says Credit Reports are Inaccurate
They just did me the same thing .
I had. Huge problem with them saying I had a 100,000$ tax lien. Cost me thousands in interest and years to clear up. It was a financial nightmare.
Same thing happened to my husband. He received a judgement and paid it off the next day, it stayed on his credit for years even though he sent them paperwork showing it was paid. Almost prevented us getting a mortgage ?
The same happen to me would like info to file the same claim please contact me.
The case is still moving through the courts and has not yet reached a settlement. Claim forms are usually not made available to consumers until after a court approved settlement is reached. We recommend you sign up for a free account at TopClassActions.com and follow the case. We will update the article with any major case developments or settlement news! Setting up a free account with Top Class Actions will allow you to receive instant updates on ANY article that you ‘Follow’ on our website. A link to creating an account may be found here: https://topclassactions.com/signup/. You can then ‘Follow’ the article above, and get notified immediately when we post updates!
Please contact me. Same deal. I have contacted them several times to correct information.
Please contact me. I have had the same experience. They need to do better!
The case is still moving through the courts and has not yet reached a settlement. Claim forms are usually not made available to consumers until after a court approved settlement is reached. We recommend you sign up for a free account at TopClassActions.com and follow the case. We will update the article with any major case developments or settlement news! Setting up a free account with Top Class Actions will allow you to receive instant updates on ANY article that you ‘Follow’ on our website. A link to creating an account may be found here: https://topclassactions.com/signup/. You can then ‘Follow’ the article above, and get notified immediately when we post updates!
It happened to me too. In fact I purchased Equifax to get a copy of my credit score. I wanted to get scores and reports from all credit reporting agencies and was charged an additional $24.99 for Transunion, aside from $19.99 from Equifax. I called and tried to cancel the reports. They said they couldn’t refund my Equifax transaction, only Transunion, and said I didn’t have access to my reports even though I paid the monthly fee. I noticed a lot of inaccuracies in my credit report and disputed them. Within a couple days of cancelling the credit reports, my credit scores dropped 100 points.
Equifax has done the same thing to me. Please contact me
The case is still moving through the courts and has not yet reached a settlement. Claim forms are usually not made available to consumers until after a court approved settlement is reached. We recommend you sign up for a free account at TopClassActions.com and follow the case. We will update the article with any major case developments or settlement news! Setting up a free account with Top Class Actions will allow you to receive instant updates on ANY article that you ‘Follow’ on our website. A link to creating an account may be found here: https://topclassactions.com/signup/. You can then ‘Follow’ the article above, and get notified immediately when we post updates!
How do I file a online claim..This is happening to me
The case is still moving through the courts and has not yet reached a settlement. Claim forms are usually not made available to consumers until after a court approved settlement is reached. We recommend you sign up for a free account at TopClassActions.com and follow the case. We will update the article with any major case developments or settlement news! Setting up a free account with Top Class Actions will allow you to receive instant updates on ANY article that you ‘Follow’ on our website. A link to creating an account may be found here: https://topclassactions.com/signup/. You can then ‘Follow’ the article above, and get notified immediately when we post updates!
I am currently having the same problem with a bill on Equifax. Please inform me how to fix this?
The case is still moving through the courts and has not yet reached a settlement. Claim forms are usually not made available to consumers until after a court approved settlement is reached. We recommend you sign up for a free account at TopClassActions.com and follow the case. We will update the article with any major case developments or settlement news! Setting up a free account with Top Class Actions will allow you to receive instant updates on ANY article that you ‘Follow’ on our website. A link to creating an account may be found here: https://topclassactions.com/signup/. You can then ‘Follow’ the article above, and get notified immediately when we post updates!
Did the same to me, had to make dozens of calls to get it off my report and then find more.