SACRAMENTO – A consumer alleges that despite disputing the records, her credit report contains inaccurate information.
Esther Ismail filed a complaint on May 16 in the U.S. District Court for the Eastern District of California Sacramento Division against Experian Information Solutions Inc., Equifax Information Services LLC, Capital One Bank NA and Does 1-100 alleging violation of the Fair Credit Reporting Act and the California Consumer Credit Reporting Agencies Act.
According to the complaint, the plaintiff alleges a credit report she ordered in February from the three credit bureaus contained inaccurate tradelines. She alleges one account with Capital One was inaccurate and that the date of her bankruptcy filing was incorrect. She alleges she reported the inaccuracies but some of the items have not been corrected.
The plaintiff holds Experian Information Solutions Inc., Equifax Information Services LLC, Capital One Bank NA and Does 1-100 responsible because Experian and Equifax allegedly failed to follow reasonable procedures to assure maximum possible accuracy in the preparation of plaintiff’s credit reports and files and Capital One allegedly failed to conduct a reasonable investigation of plaintiff's account information.
The plaintiff requests a trial by jury and seeks judgment against defendants for preliminary and permanent injunctive relief; statutory, punitive and actual 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, Sacramento Division case number 2:18-cv-01260