Customer accuses Equifax of violating FCRA

By Jenie Mallari-Torres | Feb 28, 2018

SACRAMENTO — A customer is suing Equifax, alleging violation of the Fair Credit Reporting Act (FCRA).

SACRAMENTO — A customer is suing Equifax, alleging violation of the Fair Credit Reporting Act (FCRA).

Roberto Caloca filed a complaint Feb. 19, in the U.S. District Court for the Eastern District of California Sacramento Division against Equifax Inc. and Does 1-100, alleging they caused damages to the plaintiff through unfair business practices.

According to the complaint, Caloca suffered economic loss, diminished credit and emotional harm as a result of the defendants' reckless disregard for credit reporting industry standards. The suit said Equifax reflected on its report an incorrect date of Caloca's bankruptcy filing, and further damaged him by failing to correct the disputed filing date, which purposefully undermined the plaintiff’s attempt to improve his FICO Score. 

The plaintiff alleges the defendants failed to conduct a reasonable investigation to include a review of Calcoa's disputed letter, and failed to review and consider all relevant information submitted by the plaintiff.

Calcoa seeks trial by jury, preliminary and permanent injunctive relief, punitive damages, attorney fees, and costs of suit. He is represented by attorneys Scott J. Sagaria and Elliot W. Gale of Sagaria Law PC in Roseville, California.

U.S. District Court for the Eastern District of California Sacramento Division case number 18-cv-382

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