SACRAMENTO – A consumer claims her credit report has not been updated to reflect a bankruptcy discharge.
Kimberly Lawson filed a complaint on June 21 in the U.S. District Court for the Eastern District of California against Equifax Information Services LLC, JPMorgan Chase Bank NA and Does 1-100 citing the Fair Credit Reporting Act and the California Consumer Credit Reporting Act.
According to the complaint, the plaintiff filed for Chapter 7 bankruptcy protection in February and received her discharge the following June. She alleges March 26, she ordered her credit reports from the three credit bureaus and learned that Chase continued to report an account as past-due without reference to her bankruptcy discharge. She alleges she disputed the tradeline but the account has not been updated.
The plaintiff holds Equifax Information Services LLC, JP Morgan Chase Bank NA and Does 1-100 responsible because the Equifax allegedly failed to establish procedures to assure maximum possible accuracy in the preparation of plaintiff’s credit reports and credit files and Chase alleged failed to conduct a reasonable investigation.
The plaintiff requests a trial by jury and seeks judgment against defendants for injunctive relief, award 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-01780