How to Sue Equifax for Unresolved Credit Report Disputes

Understanding Equifax and Your Credit Report

Equifax is one of the three major credit reporting agencies in the United States, alongside Experian and TransUnion. It provides credit information services to both consumers and businesses, playing a critical role in determining creditworthiness.
Services Provided by Equifax
Equifax offers a variety of services, including:

• Credit Reports and Credit Scores: A detailed report of your credit history and a score that represents your creditworthiness.
• Tenant and Resident Background Checks: Screening services for landlords and property managers.
• Employment Verifications: Verification of employment history for job applicants.

Regularly monitoring your Equifax credit report is crucial. This vigilance helps you catch errors early and correct them before they impact your financial life.t can help you catch errors early on and correct them.

Common Errors on Your Equifax Credit Report

Credit report errors can arise from a variety of sources, including clerical mistakes, outdated information, or mixed accounts (when someone else’s information appears on your report). Some common issues include:

• Inaccurate Account Information: Incorrect balances, payment history, or accounts that don’t belong to you.
• Outdated Information: Accounts that should have been removed after the statutory period.
• Identity Theft: Unauthorized accounts or activity that you didn’t initiate./li>

Consequences of Credit Report Errors

Errors on your Equifax credit report can have severe consequences, including:

• Lower Credit Scores – Affecting your ability to secure loans or credit.
• Lost Job Opportunities – Employers may deny you employment based on inaccurate credit information.
• Loan and Credit Application Denials – Errors can lead to higher interest rates or outright denial of credit.
• Higher Insurance Premiums – Inaccurate reports may lead to increased costs for home and auto insurance.
• Housing Issues – Errors could result in being denied for a rental application.

Your Rights Under the Fair Credit Reporting Act (FCRA)

The Fair Credit Reporting Act (FCRA) provides you with several important rights regarding your credit report:

• Annual Free Credit Report: You’re entitled to a free copy of your Equifax credit report once every 12 months.
• Right to Know: You have the right to know who has accessed your credit file.
• Notification of Adverse Actions: If your credit report is used against you (e.g., loan denial), you have the right to be informed.
• Dispute Inaccuracies: You can dispute inaccurate information on your credit report and have it corrected or removed.

Dispute Equifax Credit Report

You can dispute Equifax credit reports by mail, by phone, or online. After you file a dispute, Equifax has 30 days to investigate and correct any inaccuracies. You can track your dispute status online during this period. If your Equifax dispute is unresolved after 30 days, you may be able to sue for damages.

Equifax Dispute Contact Information

Address: P.O. Box 740256, Atlanta, GA 30374-0256
Phone: 866-349-5191
Website: www.equifax.com

Sue Equifax for Credit Report Errors

If Equifax fails to correct errors on your credit report after you’ve disputed them you may be able to take legal action. Reasons to sue Equifax include:

• Unresolved Credit Disputes: If Equifax failed to remove the errors from your credit report.
• Financial Losses: Denied credit, increased interest rates, or job loss due to Equifax credit report error.
• Emotional Distress: Suffering emotional harm from the financial or personal consequences of Equifax credit report errors.

What Happens When Filing a Lawsuit Against Equifax?

Legal action against Equifax can result in compensation for financial and emotional damages caused by their negligence. In some cases, you may not need to wait for dispute results to initiate a lawsuit.
Contact Us: For a free case review, fill out our online form or call 1-877-735-8600. We only get paid if we win your case.

Recent Equifax Lawsuits and Complaints

Here are examples of recent cases against Equifax filed by Francis Mailman Soumilas, P.C. that highlight common issues:
Consumer Complaint: Marked delinquent on Equifax credit report even though there was a forbearance agreement
Traina v. Specialized Loan Servicing, Trans Union, Equifax and Experian. Plaintiffs’ mortgage servicer was Specialized Loan Servicing. When the pandemic began, just like many other homeowners, the plaintiffs were hit with financial stress and qualified for and agreed to a forbearance. Despite the forbearance agreement, Specialized Loan Servicing began reporting to Trans Union, Experian, and Equifax that plaintiffs were late on their mortgage payments. Despite multiple disputes, Specialized Loan Servicing, TransUnion, Experian, and Equifax all failed to correct the inaccurate reporting, and the Plaintiffs suffered financial damage.

Consumer Complaint: Mixed credit file and unresolved Equifax dispute
Harris v. Equifax, Middle District of North Carolina—The Plaintiff and his father have the same first and last name. Equifax mixed the Plaintiff’s file with his father’s, resulting in a medical collection account of his father’s being placed on the Plaintiff’s Equifax credit report. The plaintiff disputed this to Equifax. Equifax verified the information as accurate. As a result, the Plaintiff has been delayed in purchasing a piece of land.

Harris v. Bull City Financial Solutions, Middle District of North Carolina—The Plaintiff and his father have the same first and last name. Bull City did not provide complete personal identifying information about the account at issue when it reported the debt to Equifax, thus causing Equifax to mix the files. Additionally, Bull City did not conduct a reasonable investigation of the Plaintiff’s dispute when it received the dispute from Equifax.

Barbara Williams v. Equifax. Plaintiff had two medical collection accounts on her Equifax credit report. The accounts belong to her adult son for whom she is not responsible. Plaintiff disputed the two inaccurate collections accounts with Equifax. Equifax failed to perform a reasonable investigation into Plaintiff’s disputes and verified the collection accounts as accurate.

Consumer Complaint: Mixed credit file and denied an auto loan
Aquilla Tate v. Equifax Information Services, Middle District of North Carolina. – Plaintiff has her brother’s auto loan reporting on her Equifax credit report. Plaintiff and her brother are twins and have very similar first names. As a result of Equifax mixing her file, Plaintiff was denied for an auto loan.
Consumer Complaint: Identity theft , fraudulent accounts, and unresolved Equifax dispute
Michael Ruzbarsky v. Eqiufax. Plaintiff is the victim of identity theft. He disputed two fraudulent accounts with Equifax and included a police report and an identity theft affidavit. Equifax failed to block the fraudulent accounts and verified them as accurate.
Pauline Odeyemi v. Equifax. – Plaintiff is the victim of identity theft. She disputed two fraudulent accounts with Equifax and included a police report and an identity theft affidavit with the dispute. Equifax failed to block the fraudulent accounts and verified them as accurate.

Consumer Complaint: A letter was sent to Equifax as proof of error but Equifax did not fix the report.
Jermaine Cobbins v. Equifax. – When Plaintiff traded his car into an auto dealership, the dealership failed to make a timely payoff to Capital One. The late payment made by the dealership was then listed on the Plaintiff’s Equifax credit report. The dealership acknowledged the error and the Plaintiff disputed the late payment on his auto loan to Equifax with a letter from the dealership. Despite the letter from the dealership Equifax verified that the Plaintiff made a late payment. Plaintiff had no other late payments.

Consumer Complaint: Inaccurate charge-off on Equifax credit report caused increased interest rates on a loan
Yandell v. Equifax and Hyundai. – Equifax and Hyundai reported inaccurate information relating to Plaintiff and Plaintiff’s credit history. The inaccurate information is an auto lease with Hyundai that was inaccurately reported as a charge-off on the Plaintiff’s credit report when, in fact, the account was paid, closed, and never late. Plaintiff disputed the inaccurate information with Defendant Equifax. Despite Plaintiff’s dispute, Equifax and Hyundai failed to correct the inaccurate reporting. As a result, Plaintiff received a higher interest rate on a construction loan and is worried that the inaccurate information will not be corrected in the future.

Consumer Complaint: Marked as deceased on Equifax credit report
McCants v. Equifax and 21st Mortgage Company. – Plaintiff was marked as deceased on her Equifax credit report; specifically on her 21st Mortgage account trade line. She disputed to Equifax, and both Equifax and 21st Mortgage failed to correct this inaccurate information. As a result she was denied and auto loan.

Stefanie Jones v. Equifax. Equifax inaccurately marked Ms. Jones as deceased. Ms. Jones disputed the inaccuracy, and it was verified as accurate. As a result of the inaccurate deceased reporting, Ms. Jones was unable to get a credit card.

Ronald Barrett v. Equifax. – Mr. Barrett was inaccurately marked as deceased by Equifax. As a result of the inaccurate deceased reporting, Mr. Barrett could not get an auto loan.

Consumer Complaint: A mixed file and an ignored credit report dispute caused a denial of a mortgage
LaPeruta v. Experian, TransUnion, Equifax and Navient. – Plaintiff’s credit reports are inaccurate. The inaccurate information is at least two accounts from Dept. of Ed./Navient; SS#s; addresses; and phone numbers that do not belong to her but belong to another person. Due to the faulty procedures of Experian, TransUnion and Equifax, the Plaintiff was mixed with at least one other consumer on her credit reports. Plaintiff disputed the inaccurate information. Despite filing a credit report dispute, none of the credit bureaus corrected the information. She was denied a mortgage.
If you’ve experienced similar issues, contact us to explore your legal options.

We Are Here to Help You Fight Back

The consumer protection attorneys at Francis Mailman Soumilas, P.C., have over 25 years of experience fighting for consumers’ rights against false credit reporting. If you’re dealing with unresolved credit report errors, contact us today for a free case evaluation.
Call Us: 1-877-735-8600
Free Case Review: Fill out the form

Additional Information About Equifax

What You Should Know About the Equifax Data Breach
In 2017, Equifax suffered a significant data breach, exposing the personal information of 143 million Americans, including names, Social Security numbers, and more. Following this breach, it’s crucial to monitor your credit report for errors and take advantage of options like credit freezes to protect yourself.
Protect Your Rights: Stay vigilant and act quickly if you notice any inaccuracies on your Equifax credit report.