SACRAMENTO – A consumer alleges inaccurate information was published on her credit report.
Cheryl Sheppard filed a complaint on May 7 in the U.S. District Court for the Eastern District of California against Experian Information Solutions Inc., Equifax Inc., Credit One Bank NA, Avant Inc. and Does 1 through 100 over alleged violation of the Fair Credit Reporting Act and the California Consumer Credit Reporting Agencies Act.
According to the complaint, the plaintiff filed for Chapter 13 bankruptcy protection in April 2016. She alleges on May 8, 2017, she noticed several different trade lines on her credit report that were inaccurate, misleading or incomplete and did not comply with credit reporting industry standards. She alleges the trade lines from Credit One and Avant did not show that the accounts were included in the bankruptcy.
The plaintiff holds Experian Information Solutions Inc., Equifax Inc., Credit One Bank NA, Avant Inc. and Does 1 through 100 responsible because Experian 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 and that Credit One and Avant intentionally and knowingly reported misleading and inaccurate account information.
The plaintiff requests a trial by jury and seeks preliminary and permanent injunctive relief, award of punitive damages, attorney's fees and costs of suit incurred. She 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-01127-MCE-AC