Man sues credit reporting agencies for allegedly keeping inaccurate, prohibited info

A credit history reveals in which a person lives, how she or he pays bills, arrest records, civil lawsuits and past bankruptcies. An inaccurate report could be created if your customer&rsquos identity is wrongly identified as another person&rsquos.

Credit rating companies sell credit rating information to employers, lenders and companies who determine if an individual can acquire a home loan, be eligible for a insurance or perhaps obtain a job.

The Garcias learned their scores were inaccurate. Their details are combined with those who have names much like their own.

&ldquoThey had me at all sorts of different names,&rdquo Felix Garcia stated. &ldquoIt’s Felix A. Garcia. They’d me at Junior. They’d all sorts of names on the website.&rdquo

What they are called have people they don&rsquot know. The reports have addresses where they&rsquove never resided.

"They believe you are that individual and you are not,&rdquo Vicki Garcia.

A few of the details are correct, but dated.

&ldquoSo they still list me as living on Cypress Road,&rdquo Felix Garcia stated. &ldquoI haven’t resided there since i have was 16 years of age.&rdquo

Felix Garcia is 58.

The United States Fair Credit Rating Act prohibits reporting negative information which is much more than years of age.

An Equifax media spokesperson told KOB within an email that the organization doesn’t discuss pending litigation. In federal court public records, Experian attorneys claim they don’t have enough details about Garcia&rsquos accusations. KOB-TV has yet to get an answer from TransUnion.

"It impacts people’s lives,&rdquo Felix Garcia stated. &ldquoEverything is dependant on your credit ratings.Inch

A preliminary scheduling order is scheduled to occur just before Jan. 31 between Experian Information Services and Felix Garcia&rsquos attorney to go over the claims, chance of an answer or settlement and also to formulate a provisional discovery plan.

Click the links below to see a legal court documents in regards to this suit:

/kobtvimages/repository/cs/files/Equifax complaint.pdf

/kobtvimages/repository/cs/files/Experian is without understanding or information sufficient.pdf

/kobtvimages/repository/cs/files/The potential of resolution.pdf


How I Sued TransUnion Credit Bureau and Won