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Cases & Complaints, Credit Report Issues, Press Releases, The Firm in The News No Comments

Francis Mailman Soumilas, P.C.Announces Ninth Circuit Court of Appeals Upholds $40,000,000 Jury Verdict Against TransUnion For False Terrorist Alerts on Consumers’ Credit

In Ramirez v. TransUnion, LLC, the appeals court upheld the jury’s June 2017 award of roughly $8 million in statutory damages across the class, but reduced the jury’s $52 million punitive damages across the class to about $32 million. The Ninth Circuit’s decision comes eight years after Ramirez filed a class action lawsuit against TransUnion

Equifax Sued For Not Investigating Inquiry Disputes
Credit Report Issues, The Firm in The News No Comments

Equifax Sued for Not Investigating Disputed Inquiries on Credit Reports

Equifax Sued In Another Class Action Because Of Its Systemic Failure To Investigate Consumer Disputes Of Unauthorized Or Fraudulent Inquiries Appearing On Consumers’ Credit Reports Inquiry information is included on a credit report because it is part of a consumer’s credit history. Inquiries identify the persons and companies from whom the consumer sought credit and

Checkr Background Checks for Uber and Lift Drivers
Background Check Issues, The Firm in The News No Comments

Checkr Hit With A National Class Action

Checkr Hit With A National Class Action By Francis Mailman Soumilas, P.C. And Its Co-Counsel For Reporting Inaccurate And Misleading Criminal History Information About Innocent Consumers Lead Class Action Plaintiff Jose Montanez spent more than two decades of his life in prison for a murder that he did not commit. After he was finally proven

What is an OFAC alert
Background Check Issues, Credit Report Issues No Comments

What is an OFAC alert?

What is the SDN list? The Specially Designated Nationals (SDN) list is maintained by the U.S. Department of the Treasury’s Office of Foreign Assets Control. The list contains names of individuals and companies that are controlled by or acting on behalf of targeted countries. It also contains names of drug traffickers, arms dealers, and suspected terrorists.

What is the TCPA
Robocalls and Texts No Comments

What is the TCPA?

The Telephone Consumer Protection Act (TCPA), or 47 U.S.C. § 227, protects consumers from spam texts and robocalls by restricting how and when telemarketing can take place. The act specifically addresses auto-dialing, pre-recorded voice messages, and spam text messages to cell phones, faxes, and residential land lines. According to the TCPA, solicitors cannot: Send unsolicited advertising faxes. Make calls before 8 a.m.
Credit Report Issues No Comments

What happens to your credit after marriage?

Are you getting married? Marriage is a big step for both your personal life and your finances. As you build a life together, it’s important to understand exactly how your credit score might change as a result of your new commitments. Marriage may not directly affect your score, but if you are applying for things like joint credit
Credit Report Issues No Comments

Credit Score Primer

You’ve surely heard the terms “credit score,” “credit report,” and “credit bureaus,” but, like many Americans, you’re probably not exactly sure what they mean.  Every consumer deserves to know exactly how and why a credit score is calculated.  We’re going to break these concepts down so that you can feel confident in all your credit-related
Credit Report Issues No Comments

Credit Score Myths

Credit scores are important; they are a significant factor in determining loans, housing, and even employment.  Most consumers have many questions about their credit score.  For instance: what is a credit score?  Who determines your credit score?  How do you improve your score?  Myth: Credit repair companies work. Reality: Credit repair companies that advertise a quick resolution for
Credit Report Issues No Comments

Do you need credit monitoring?

What is credit monitoring? Credit monitoring services, like those offered by TransUnion or Experian, watch your credit report for any changes or fraud and send you alerts if they detect any unusual activity.  These services can cost more than $30 each month, which is a steep cost to pay when you can perform many of these services
Identity Theft No Comments

Planning a vacation? Protect your identity and your wallet!

Are you going on vacation this summer?  It’s prime vacation time in the United States, and alongside 100 million other Americans, you’re probably excited to rest and relax with your loved ones.   With the allure of fun in the sun, it may be tempting to quickly book a hotel or pay for an unofficial tour, but sometimes your eagerness can result

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