Curacao, a retail chain and creditor in California, faces allegations involving identity theft and credit reporting violations. Ms. Ramirez, a California resident, discovered in 2021 that an identity thief had fraudulently opened a credit account in her name with Curacao. Despite her efforts to resolve the issue—including submitting police reports, mortgage documents, and identification—Curacao … [Read more...]
Credit Reporting
Debt Collection and Credit Reporting for Apartment Leases: Ford v. I.Q. Data International
The case of Noah Ford v. I.Q. Data International Inc. et al. addresses allegations against I.Q. Data International Inc. ("I.Q. Data") and Kris Graafstra for their debt collection practices, specifically under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Background: The lawsuit stemmed from a debt owed by Noah Ford, arising from a purported breach … [Read more...]
Jury Verdict Upheld in Losch vs. Experian Information Solutions Inc.
The case of Henry Losch vs. Experian Information Solutions Inc. (Case No. 22-12421) was an appeal in the United States Court of Appeals for the Eleventh Circuit concerning claims under the Fair Credit Reporting Act (FCRA, 15 U.S.C. §§ 1681e & 1681i). This case followed a previous decision (Losch I) where the court reversed the district court’s summary judgment in favor of Experian and remanded … [Read more...]
Intersection of Fact and Law in Credit Reporting: FCRA Obligations and State Law Impacts on Credit Reporting
In Gross v. CitiMortgage Inc., Marshall Gross challenged CitiMortgage's reporting of a junior mortgage debt on his credit report following the foreclosure of his home. Under Arizona's Anti-Deficiency Statute, Gross's liability for the junior mortgage was eliminated once the foreclosure sale failed to cover the debt. Despite this, CitiMortgage reported the debt as active, accruing interest, and … [Read more...]
Understanding the Impact of the Fair Credit Reporting Act and the CARES Act on Consumer Rights
In the case of Craig Mirabile v. Bank of America National Association, the plaintiff, Craig Mirabile, brought suit under the Fair Credit Reporting Act (FCRA), alleging that Bank of America provided false information to credit reporting agencies and failed to reasonably investigate his dispute. The court allowed the FCRA claim to proceed and found the following facts persuasive to not dismiss the … [Read more...]