N & O

Go to Representative Consumer Protection Cases (Alphabetized by Defendants):
A - B - C - D - E - F & G - H - I, J,K,L - M - N & O - P & Q - R - S - T - U - V - W,X,Y,Z

Amos v. National Credit Adjusters, LLC; and Trans Union, LLC

Alabama consumer sued the debt buyer National Credit Adjusters, LLC after it sued the consumer and lost at trial. Alabama consumer disputed the debt with TransUnion and instead of removing the debt from the credit report (as the judge in the collection action said the consumer did not owe it) both National Credit Adjusters and TransUnion decided to keep the debt/account on consumer's credit report. Suit was brought under the Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice). Read more about this case (PDF).

Edwards v. NCO Financial Systems, Inc.

Alabama consumer sued the large national collection agency and debt buyer NCO Financial Systems, Inc. for violating state law and violating the Fair Debt Collection Practices Act. NCO violated the law by keeping balances on consumer's credit reports even though the bankruptcy court had discharged the debts. Therefore, the accounts on the credit reports must say "discharged in bankruptcy" and show a zero balance as no money is owed. Read more about this case (PDF).

Gilmore v. NCO Financial Systems, Inc.; Palisades Collection, LLC; First Premiere Bank, and First Bank & Trust

Alabama customer filed for bankruptcy and discharged a debt that the junk debt buyer Palisades purchased; a debt NCO (large national collection agency) was collecting; a credit card that First Premiere Bank had issued to consumber; and a debt to First Bank & Trust. The discharge means that the consumer does not owe these debts but all four of these companies kept false information on the credit reports instead of showing the debts as "discharged in bankruptcy" with a zero balance. Suit was filed for violations of Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice) and for NCO and Palisades violating the Fair Debt Collection Practices Act. Read more about this case (PDF).

Henningsen v. Nuvell Credit Company, Credit Bureau Systems, Inc; Franklin Collection Service, Energen Corporation (aka Alagasco, Inc.)

This Alabama consumer filed for bankruptcy protection and received a discharge on the debts held by these four defendants - Credit Bureau Systems, Inc. (a collection agency out of Tuscaloosa, Alabama); Franklin Collection Service, Inc. (a national collection agency out of Mississippi); Nuvell Credit Company (a car loan company associated with GMAC); and Energen Corporation which most people still know as "Alagasco". Instead of reporting these accounts as "discharged in bankruptcy" and with a zero balance, the account balances were left on the consumer's credit reports. Suit was filed against all defendants for violations of state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice) and violations of the Fair Debt Collection Practices Act by the debt collectors Credit Bureau Systems, Inc. and Franklin Collection. Read more about this case (PDF).

Go to Representative Consumer Protection Cases (Alphabetized by Defendants):
A - B - C - D - E - F & G - H - I, J,K,L - M - N & O - P & Q - R - S - T - U - V - W,X,Y,Z