Consumer alleges Credit One has not acknowledged bankruptcy filing

By Noddy A. Fernandez | May 28, 2018

SACRAMENTO – A consumer alleges inaccurate information is being reported on her credit report.

SACRAMENTO – A consumer alleges inaccurate information is being reported on her credit report.

Joyce Simpson filed a complaint on May 9 in the U.S. District Court for the Eastern District of California against Experian Information Solutions Inc., Credit One Bank NA 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 August 2014. She alleges on Jan. 4, 2018, she noticed several different trade lines on her Experian credit report that were inaccurate, misleading, or incomplete and did not comply with credit reporting industry standards. 

She alleges Credit One is falsely continuing to report her account has charged off and that she disputed this with the credit bureaus in March.

The plaintiff holds Experian Information Solutions Inc., Credit One Bank NA 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 it published and maintained and Credit One allegedly intentionally reported misleading and inaccurate account information.

The plaintiff requests a trial by jury and seeks preliminary and permanent injunctive relief, statutory and actual damages, punitive damages, attorney's fees and costs of suit. 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-01166-TLN-KJN

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

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