Trans Union LLC and Experian Information Solutions Inc. have each been hit with a class action lawsuit accusing them of failing to obtain up-to-date information about civil judgments because they rely on third-party vendors rather than getting the information directly from the courts.
Plaintiff Rebecca Anne Peters filed the class action lawsuits against the credit reporting agencies on Friday in Alabama federal court. She claims that TransUnion and Experian failed to report that she had paid a civil judgment, an omission she says violates the Fair Credit Reporting Act.
Peters alleges TransUnion and Experian obtain consumer information regarding federal bankruptcies, civil judgments and tax liens from private businesses that provide this type of information to credit reporting agencies.
Even though TransUnion and Experian obtain their information from these third-party vendors, they continue to list the names of courthouses and other government offices as the source of the public records information, according to the credit reporting class action lawsuits.
The information provided by third-party vendors is not as up-to-date or detailed as the information provided by the courts and government offices, Peters alleges. As a result, it becomes increasingly possible that the payments consumers make on civil judgments will not be recorded.
“Defendant’s practices and procedures regarding the reporting of civil judgment information, specifically its failure to report the most up-to-date status of paid or satisfied civil judgments, causes widespread harm to Alabama consumers,” the TransUnion and Experian class action lawsuits allege.
Peters claims that, in 2016 and 2017, TransUnion and Experian delivered consumer reports about her to various entities, which used the information to evaluate her creditworthiness. She says that the credit reporting agencies failed to update their records about a judgment that was deemed fully satisfied in September 2016.
The judgment had been entered against Peters in 2011 in the amount of $5,207.51, and she paid the judgment in full in August 2016, the TransUnion and Experian class action lawsuits allege.
In June, Peters says she requested a copy of her credit report from TransUnion and Experian, both of which allegedly reported that she had an outstanding civil judgment in the amount of $5,207. She says this civil judgment information was “woefully deficient” and that her credit score was hurt as a result.
Peters has filed the TransUnion and Experian class action lawsuits on behalf of herself and a proposed Class of consumers who had a civil judgment recorded in Alabama that appeared on a TransUnion and/or Experian consumer report within the last five years, and the Alabama public record indicated the civil judgment had been paid or satisfied prior to the date of the consumer report.
She seeks actual, statutory and punitive damages; pre- and post-judgment interest; attorneys’ fees and costs; and other relief the court deems proper.
Peters is represented by Micah S. Adkins of the Adkins Firm PC and James A. Francis and John Soumilas of Francis & Mailman PC.
The TransUnion Class Action Lawsuit is Rebecca Anne Peters v. Trans Union LLC, Case No. 2:17-cv-01273, in the U.S. District Court for the Northern District of Alabama. The Experian Class Action Lawsuit is Peters v. Experian Information Solutions Inc., Case No. 2:17-cv-01270, in the U.S. District Court for the Northern District of Alabama.
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11 thoughts onTransUnion, Experian Class Actions Say Civil Judgment Info ‘Woefully Deficient’
Please add me as I have been turned down and refused credit, jobs, and refused so many times for renting and buying a home because of this!!!
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I filed for bankruptcy before the change in the law in 2005 and yet some of my debts collectors are trying to collect because both agencies did not put the debts stating that they were discharged in a bankruptcy.
I have this happen to me. I requested my credit report and civil judgments were on there and I submitted paperwork and had it removed and I applied for a house and got turn down because Experian left it on my credit and now I’m living from hotel to hotel. I’m very upset. I need a place to live and can’t get approved due to this so please add me to the settlement they owe me big time.
I have this same issue with the credit reporting info being incomplete and incorrect about a Federal Tax Lien in the state of Pennsylvania. I have tried to dispute but the damage was already done. When I needed an automobile loan I was turned down for a loan with a lower interest rate. Not cool.
I just found out tonight that there was a victim of at least 2 data breaches. Please add me!!!!
I was in a terrible situation sometimes last year. We urgently needed to get a new house, my score and partner’s score too was bad. We tried all we could to get a loan but all effort was in vain due to the bad credit score.An lawyer I contacted to help dispute our collections requested for $1000 upfront, the major credit repair companies gave a year estimate to get us to where we need to be, God so good to us, I later met with a credit score specialist and instructor, he gave me some instructions and requested some information from me regarding my credit score in which I provided everything to him. Luckily for me, this man was able to fix my credit score, I was so amazed because he completely removed all my inquires, collections and late payments, I’m happy to tell you that I’m writing this review from our new house which I wouldn’t have got without the specialist’s help. I know some people out there are in this kind of situation and I would love to help to put specialist’s contact here, You can message him privately on his mail which is hackwiz at protonmail dot com if you like, this help cam at a time I already lost all hope.you can tank me later
So I have been dealing with this for over a year now trying to rebuild my credit andnl they do do it. My question is the money is great to get back and even better if it’s more then u spent but what about our credit score do we get out points back? Because I need those going in the money and it’s not fair that they did ruin our credit and just give us a couple dollars and everything is swept under the rug
I had this happen to me a couple of years ago. By the time it was taken care of my score went down 130 points, which I never got back.