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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
All my info is on the dark web now, but my claim was denied. My credit is ruined!
My credit report is inaccurate. And has definitely impacted my credit score.
My credit score has been negatively impacted by Equifax’s lack of security and due diligence in verifying the information provided to them. Had they verified the information they would not have left the information on my file. All my info is on the dark web now and I have no idea how to remove it. My credit report is inaccurate and it has definitely impacted my credit score.
*PLEASE ADD ME TO THE CLAIM*
My current issue right now. I can’t go online to review my completed disputes because their systems will not allow it. It’s always an issue. However, they ask you to opt-in on online delivery. Which means, in order for me to review the updates made on my report, I will have to purchase my report through them. And they are intentionally reporting inaccurate items even when I proved major factual errors from the data furnishers.
This company is also denying access to reports by consumers. We answer all questions correctly online and are never allowed in or get a “system temporarily available “ message. I’ve been getting the message for years and others has as well. They are purposely trying to get consumers to purchase their credit monitoring products by making it difficult to see what should be easily accessible to consumers.
I had noticed that Equifax had reported an inaccurate credit deficit on my credit report. I had attempted to notify Equifax several times and would receive an error message stating, “Unable to process at this time”. I would like to join the
class action lawsuit claim against Equifax.
Add me please to this lawsuit against Equifax.
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. 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!
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Have requested changes to my report several times and many of the items are still there
My Javier Fonseca I got a personal injury law suit in Fresno ca . March 28,2018 on San Pablo and vassar st.
I was ran over by a 2006 Mustang Sport going to fast , tire popped car fish tailed driver lost control jumped on side walk took out a bus stop sign and collided with me , I was in the hospital 4 days 7 different specialists doctors diagnosed me I have T12 L1 spinal cord injuries & spinal nerve damage I hired Beverly law firm Micheal Shemtoub for personal injuries the negligence driver has insurance liberty mutual, there adjuster Antonio Cota BI complex claims specialist offered 100,000 Dollar the max on claim
Mr Micheal Shemtoub settle on claim for 100,000 out of that he’s charging 33 % my bills on medical are around 107,000 and I haven’t fully Rehabilitated I’m in unbearable horrific pain the release has California civil code 1542 this code has me give up all my rights to any claim against those responsible for the cause of my injuries , any claim against the city , and the insurance company/ adjuster for any bad faith business practices, low-balling , and unfair settlement / non disclosure of full policy to car and home insurance witch I believe the insurance is with an umbrella and/or bundle Package
From liberty Mutual. The policy holder and son both signed a declaration of as far as they know of there understanding there no umbrella policy ,
They have a home in Clovis ca. The home is valued at 355,000
Everybody that has a home knows in your payments there’s your home insurance in the home insurance there’s personal injuries, that will cover if your auto insurance policy exceeds the amount owed then there’s your home insurance that will cover up to the policy of personal injuries on the claim you do have if personal injuries exceed that policy in California Rules and regulations, provision, code, case law clear state that you are responsible for any negligence where you caused another human being to have a
Life altering disabilitythe policy holder responsibility and obligations are to full compensate for the damages they caused since I’m not signing the release the attorney put a lien on my settlement 33%
Attached to 3 other loans like if I borrowed 100,000 it’s in public Records and judgements against me making it difficult to receive any loan leaving me in a undue hard ship of homelessness , I’m loosing my corporation, all bills are piling up , based on what is filed and written on public records and judgements against me Wells Fargo , and servers other loan companies will not loan any monies making there decision off the public records and judgements Mr. Micheal Shemtoub Beverly law case managers denied any lien or judgements claiming I am making it up it’s on my credit reports my credit monitoring, i have all the documentation direct and clear evidence he caused this Action in form of retaliation to squeeze me Finacially to feel the pressure of my burden that was brought upon me by these individuals
If I sign that all the claims to receive compensation for my incomplete spinal cord injuries compression fractures T12 & L1 & spinal nerve damage are gone to all claims
I need trial lawyers that are and specialize in these practices
civil , predator lending , , discrimination, competition, unfair settlement, Bad Faith business ethics, Heath care act. Rehabilitation act. False claims act. American disability Act. I’m disabled it’s a crime to scam on a person with disabilities I have all documentation there’s 6000,
Other disabled people just like me in Fresno ca i need trial lawyers that activists