Three Major Consumer Reporting Agencies Sued in Separate Class Action Lawsuits

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A Tennessee woman has filed three separate proposed class action lawsuits against the top consumer reporting agencies – Experian, Equifax and Transunion – alleging violations of the Fair Credit Reporting Act. The suits, all filed in Tennessee, claim that the respective defendants prepare and deliver consumer reports that include information on civil judgments that federal law prohibits them from reporting and that have been “paid in full, satisfied, or released,” but are not reported by the agency as such. The plaintiff claims that she reviewed her credit reports from the agencies at the end of May 2017 and noticed that they all noted an outstanding civil judgment against her in the amount of $1,929. The complaint claims that she had paid off this judgment more than a year prior, in the full amount.