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...]
Credit Reporting
Lemon Law and FCRA: The Role of Credit Reporting Agencies in Resolving Legal Disputes
In the case of Khankin v. JLR San Jose LLC et al., the plaintiffs claimed that the credit reporting agencies inaccurately reported them as delinquent on their lease even after they had lawfully elected to rescind their lease and return the vehicle under California's "Lemon Law" (the Beverly-Song Warranty Act). They argued that this reporting was inaccurate because they were no longer legally … [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...]
About Balam Letona
When you are dealing with very personal issues like bankruptcy, debt collection and car repossession, it is important that you can trust the attorney you are working with and one of the best ways is to know something about them and why they do what they do. Balam Letona is one of five children, raised in California by his hardworking Guatemalan immigrant parents. From them he learned the … [Read more...]