TransUnion, Equifax, Experian class actions allege credit reporting errors

Credit reporting class action lawsuits overview:

• Who: Plaintiff Dennis Goyette filed separate class action lawsuits against Equifax Information Services LLC, Experian Information Solutions Inc. and TransUnion LLC.
• Why: Goyette claims the credit reporting agencies misreported accounts on his consumer report after they had been properly discharged in bankruptcy.
• Where: The class action lawsuits were filed in Florida federal court.
• How to get help: Did you lose money paying for services that failed to improve your credit or resolve your debt as promised? You may qualify to pursue compensation.

Three new class action lawsuits accuse TransUnion, Equifax and Experian of misreporting an account on consumer reports that had been properly discharged in bankruptcy.

Plaintiff Dennis Goyette filed the complaints after discovering the three credit reporting agencies continued reporting joint credit card accounts as past due, despite the account being discharged in his and his wife’s joint Chapter 7 bankruptcy.

Goyette and his wife, Peggy Goyette, filed a joint Chapter 7 bankruptcy on or about Dec. 26, 2024, and received a discharge on or about April 8, 2025, which included their Achieva Credit Union account.

According to the complaints, Goyette’s reports with all three agencies reflected the grant of his bankruptcy petition generally, but each agency separately continued reporting the Achieva account as past due rather than discharged. The Experian complaint further alleges the agency listed the account as “closed at consumer’s requests.”

Goyette claims the same Achieva account, however, was reported correctly as discharged in bankruptcy on Peggy Goyette’s consumer report with each of the three agencies.

“The fact that the same account, included in the same bankruptcy, is being reported two different ways by TransUnion plainly elicits that it does not have the adequate policies and procedures in place to ensure that it prevents such logically inconsistent and inaccurate information from being reported on consumers’ reports,” the credit reporting class action lawsuits say.

Credit reporting class action lawsuits allege violations of Fair Credit Reporting Act

Goyette claims TransUnion, Equifax and Experian violated the Fair Credit Reporting Act (FCRA) by failing to maintain reasonable procedures regarding the accuracy of its consumer reports.

All three credit reporting lawsuits raise identical allegations against each respective agency, claiming each “fails to have reasonable procedures to ensure the accurate reporting of joint accounts associated with joint bankruptcy filings.”

Goyette alleges the inaccurate credit reporting unfairly lowered his credit score and caused him embarrassment, frustration, emotional distress and anxiety each time his credit was reviewed.

Each lawsuit seeks to represent a nationwide class that includes consumers who, within two years of filing, had a joint account reported by that agency as not discharged in bankruptcy, while the same account was correctly reported as discharged on the other joint accountholder’s report.

Goyette demands a jury trial in respect of each agency and seeks declaratory and injunctive relief, along with statutory and punitive damages for himself and the class.

In another case involving credit reports, a federal judge recently certified a class action lawsuit filed against TransUnion over claims it sold credit reports to an alleged sham debt collector. 

Did Equifax, Experian or TransUnion misreport an account that was discharged in your bankruptcy? Let us know in the comments.

Goyette is represented by Joseph H. Kanee of Marcus & Zelman LLC.

The TransUnion, Equifax and Experian class action lawsuits are Goyette v. Equifax Information Services LLC, Case No. 8:26-cv-01838; Goyette v. Experian Information Solutions Inc., Case No. 8:26-cv-01840; and Goyette v. TransUnion LLC, Case No. 8:26-cv-01841, all in the U.S. District Court for the Middle District of Florida.

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