Francis Mailman Soumilas, P.C., recently filed a lawsuit on behalf of a married Texas couple against LexisNexis Risk Solutions Inc., (“LexisNexis”) in the U.S. District Court for the Northern District of Georgia, alleging that the company violated the U.S. Fair Credit Reporting Act (“FCRA”). According to the complaint in the lawsuit, LexisNexis has been reporting
Francis Mailman Soumilas, P.C., recently filed a lawsuit on behalf of a Virginia woman against Experian Information Solutions, Inc. (“Experian”) and Investigative Recovery Services LLC (“Investigative Recovery”) in the U.S. District Court for the Eastern District of Virginia, alleging that Investigative Recovery violated the U.S. Fair Debt Collection Practices Act (“FDCPA”), and that both companies
Francis Mailman Soumilas, P.C., recently filed a lawsuit on behalf of a Florida man against Screening Reports, Inc. (“Screening Reports”) in the U.S. District Court for the Middle District of Florida, alleging the company violated the U.S. Fair Credit Reporting Act. According to the complaint in the lawsuit, Screening Reports has been reporting derogatory and
The Telephone Consumer Protection Act (TCPA) places restrictions and regulations on telephone solicitors, such as telemarketers and debt collectors. Lawmakers created the TCPA to protect consumers from harassing, invasive, threatening, and unregulated calls and scams. Call types that must adhere to the regulations outlined in the Act include: Solicitors: Solicitors, such as creditors and debt
Every year, people look forward to getting their tax refunds and expect to receive them without any major complications. Unfortunately, fraudsters who manage to steal Social Security numbers can steal tax refunds and use the information to cause other serious problems. Social Security numbers can also be used to open new credit cards, apply for
If you’ve ever had the misfortune of discovering inaccurate information on your consumer report (also known as a “credit report”), you likely know the significant negative impact this kind of inaccurate information can have on a person’s life. From causing higher interest rates on their mortgage or car loan, to giving a landlord a reason
When a consumer falls behind on credit or loan payments, debt collection agencies often become involved, either on behalf of the lender or as the result of purchasing debt from original creditors. Collection efforts generally begin with a debt collector contacting you by phone, through the mail, or both. Others may initiate a lawsuit in
The arrival of fall also ushers in the holiday shopping season, and no time is better for snagging deals on the year’s hottest gifts. With sales figures in the billions, the lure of Black Friday and Cyber Monday shopping gives rise to a significant rise in consumer fraud, scams, and identity thefts. The week following
Francis Mailman Soumilas, P.C., recently filed a class action lawsuit against Roadmaster Drivers School alleging it violated Pennsylvania law by passing off its Commercial Driver’s License training program as capable of achieving a valid CDL for students who complete the program even though it was not licensed by the Pennsylvania Department of Transportation to do
When courts or administrative agencies opine on whether a federal statute preempts state law, they usually do so in the wake of the statute’s enactment. But the U.S. Consumer Financial Protection Bureau’s (CFPB) interpretive rule issued mid-summer regarding the Fair Credit Reporting Act’s limited preemption of state laws comes 52 years after the FCRA became