A recent class action lawsuit filed in Los Angeles alleges that Equifax is misreporting accounts with past due balances when the accounts are paid and closed. This practice makes the accounts appear delinquent, which may lead to loan denials and increased interest rates. The lawsuit accuses Equifax of violating the federal Fair Credit Reporting Act (“FCRA”) by failing to follow reasonable steps to ensure that the credit reports it generates for consumers are accurate.
This recent case demonstrates the ongoing need for Las Vegas consumers to review their credit reports regularly, especially after paying off a delinquent loan or credit card, to make sure the balance and past due information are correct. If the credit bureaus are reporting your account information incorrectly, you have the right to dispute this information online or in writing. The bureaus have 30 days to investigate your disputes and provide you with an updated credit report. If they fail to correct the inaccurate information, you have the right to hire an identity theft lawyer for no out-of-pocket expense because the FCRA includes those costs as a measure of your damages. Source: https://www.reuters.com/article/equifax-errors-lawsuit/lawsuit-alleges-equifax-misreports-consumers-paid-off-accounts-idUSL1N1U6202
2 Comments
8/31/2018 03:27:31 pm
This is what happens when we rely too much on machines. We keep trying to cut costs by employing robots to do something which requires a human mind with empathy. How long are we going to keep doing this to mankind. Not everything can be automated. There are different cases for different settings. Sometimes only a real human can make the proper judgement. They can fix everything. I will never give robots a chance to take over. They are designed to make mistakes and control the demand for better robots.
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Ric Clayton
9/16/2021 11:40:46 pm
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