Credit report errors class action overview:
- Who: Plaintiff Angelica Pham filed a class action lawsuit against Equifax Information Services LLC, Experian Information Solutions Inc., Synchrony Bank and Midland Credit Management Inc.
- Why: Pham claims the companies falsely reported balances owed on three settled accounts, causing credit report errors that damaged her credit.
- Where: The class action lawsuit was filed in Texas federal court.
- How to get help: If you received excessive debt collection calls or were subjected to unlawful collection practices, you may qualify for a debt collection lawsuit investigation.
A new class action lawsuit alleges Equifax and Experian persisted with credit report errors on three settled accounts even after the plaintiff in the lawsuit disputed the inaccuracies and provided proof of payment.
Plaintiff Angelica Pham filed the class action lawsuit against Equifax Information Services, Experian Information Solutions, Synchrony Bank and Midland Credit Management on June 9 in Texas federal court.
Pham says she had two accounts with Synchrony Bank and one with debt collector Midland Credit Management that all became delinquent but were subsequently settled and paid in full.
When Pham checked her credit report on or around March 19, 2026, she found Equifax and Experian were still reporting balances owed on all three accounts and had failed to reflect the payments she made to satisfy the settlements.
Under credit reporting industry standards, settled accounts should carry a “Code 64” Metro 2 status indicating a zero balance is owed — but Equifax and Experian continued to report the accounts as “Charged Off” with balances outstanding, the class action lawsuit alleges.
Pham mailed dispute letters to Equifax on or around April 20, 2026, and to Experian on or around April 21, 2026, including proof of her settlement agreements with Synchrony and Midland and proof of the payments made to satisfy them.
Despite receiving the dispute letters and accompanying documentation, Equifax and Experian failed to rectify the credit report errors, the class action lawsuit claims.
Synchrony, Midland accused of knowingly furnishing false debt information
The class action lawsuit alleges Synchrony and Midland compounded the credit report errors through conduct that goes beyond negligence.
The complaint alleges Synchrony and Midland communicated credit information to the bureaus that they “knew or should have known to be false” and never gave Pham notice of the debt or any opportunity to validate it before furnishing the account information to Equifax and Experian.
“Synchrony and Midland’s initial and continued reporting of the accounts are abusive tactics attempting to collect on a debt that is not owed by the plaintiff,” the class action lawsuit states.
Pham alleges all four defendants violated the Fair Credit Reporting Act (FCRA), while Synchrony and Midland face additional claims under the Fair Debt Collection Practices Act.
The inaccurate reporting caused Pham emotional distress, reputational damage and loss of the ability to apply for new credit, the lawsuit claims.
Pham seeks actual and punitive damages of up to $1,000 per FCRA violation, attorney’s fees and injunctive relief.
In other debt collection news, a North Carolina federal court recently certified a class action lawsuit alleging TransUnion sold consumer reports to Liberty Credit Management, a company accused of participating in a fraudulent debt collection scheme affecting more than 800,000 consumers.
What do you think of the allegations made in this class action lawsuit? Let us know in the comments.
The plaintiff is represented by Jeffrey Lohman of The Law Offices of Jeffrey Lohman PLLC.
The class action lawsuit is Pham v. Equifax Information Services LLC, et al., Case No. 4:26-cv-00704-O, in the U.S. District Court for the Northern District of Texas.
Don’t Miss Out!
Check out our list of Class Action Lawsuits and Class Action Settlements you may qualify to join!
Read About More Class Action Lawsuits & Class Action Settlements:
- General Mills recalls more than 735,000 Pillsbury bread rolls over glass contamination
- Uber class action claims company misclassifies drivers as independent contractors
- Johnson & Johnson agrees to $5.5B settlement to resolve ovarian cancer talc lawsuits
- Honda hit with class action over alleged white paint peeling defect
