Consumer claims his Equifax credit report was inaccurate despite filing chapter 13 bankruptcy

By Noddy A. Fernandez | May 28, 2018

SACRAMENTO – A consumer claims Credit One failed to update his account on his credit report.

SACRAMENTO – A consumer claims Credit One failed to update his account on his credit report.

Justin Redfearn filed a complaint on May 8 in the U.S. District Court for the Eastern District of California against Equifax Inc., Credit One Bank NA and Does 1 through 100 over alleged violation of the Fair Credit Reporting Act.

According to the complaint, the plaintiff filed for Chapter 13 bankruptcy in March 2015 and that Credit One was notified of it. He alleges that on June 15, 2017, he noticed several different trade lines on his credit report were allegedly inaccurate, misleading or incomplete that did not comply with credit reporting industry standards. He alleges Credit One is reporting his account has charged off instead of being included in his bankruptcy filing.

The plaintiff holds Equifax Inc., Credit One Bank NA and Does 1 through 100 responsible because Equifax allegedly failed to establish and/or to follow reasonable procedures to assure maximum possible accuracy in the preparation of individual's credit reports and credit files it published and maintained and Credit One did not review well-established industry standards for credit reporting.

The plaintiff requests a trial by jury and seeks judgment for preliminary and permanent injunctive relief; statutory, actual and punitive damages; attorney's fees; and costs of suit. He is represented by Scott J. Sagaria, Elliot W. Gale, Joe B. Angelo and Scott M. Johnson of Sagaria Law PC in Roseville.

U.S. District Court for the Eastern District of California case number 2:18-cv-01134-JAM-CKD

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Sagaria Law, PC U.S. District Court for the Eastern District of California

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