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
Armbrester v. Asset Acceptance, LLC; and Experian
Alabama consumer sued the debt buyer Asset Acceptance, LLC after it sued the consumer and lost at trial. Alabama consumer disputed the debt with Experian and instead of the consumer reporting agency removing the debt from the credit report (as the judge in the collection action said the consumer did not owe it) both Asset Acceptance and Experian decided to keep the debt/account on consumer's credit report. Suit was brought under the Fair Debt Collection Practices Act (FDCPA) against the debt buyer for false credit reporting and collection activity and against all defendants for violating the Fair Credit Reporting Act (FCRA) and Alabama state law (defamation, invasion of privacy, wantoness, intentional conduct, and malice). Read more about this case (PDF)
Barnes v. AFNI and Household Finance Corp. of Alabama (aka Beneficial)
Alabama consumer sued Household Finance and AFNI (Anderson Financial Network, Inc.) for violating state law and (for AFNI) violating the Fair Debt Collection Practices Act. These defendants kept 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).
Batey v. Anderson Crenshaw & Associates, LLC
Alabama consumer sued Anderson Crenshaw & Associates, LLC for violating the Fair Debt Collection Practices Act (FDCPA) and Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice). This relates to multiple calls to the consumer's work after being told not to call, threats to sue after the statute of limitations had expired, and re-aging the Anderson Crenshaw account on the consumer's credit report to make it look like a more recent account instead of one that was too old to be on the credit reports. Read more about this case (PDF).
Bittle v. Arrow Financial Services, LLC; and Equifax
Alabama consumer sued the debt buyer Arrow Financial Services, LLC after it sued the consumer in a collection lawsuit and lost at trial. After the Alabama consumer won the collection case, the consumer disputed the debt with Equifax. Instead of removing the debt from the credit report (as the judge in the collection action said the consumer did not owe it), Arrow and Equifax intentionally decided to keep the debt on consumer's credit reports. This is a classic strategy by debt buyers to be able to leverage payment out of a consumer even after the debt buyer loses the case. In response to parking this account on the credit reports, consumer brought suit 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)
Brewer v. Alverson v. Palisades Collection, LLC; and Equifax
One of the first suits by an Alabama consumer against a debt buyer based upon the consumer winning a collection suit brought by debt buyer Palisades. Palisades did not prove the collection case and the judge ruled against Palisades, which means the consumer did not owe Palisades any money. Alabama consumer disputed the debt with Equifax, one of the national credit reporting agencies. Instead of removing the debt from the credit report (as the judge in the collection action said the consumer did not owe it) both Palisades and Equifax decided to keep the debt/account on consumer's credit report. Suit was brought against Palisades under the Fair Debt Collection Practices Act (FDCPA), and against Palisades and Equifax under the Fair Credit Reporting Act (FCRA) and Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice). Read more about this case (PDF)
Bruno v. Arrow Financial Services, LLC
Alabama consumer sues Arrow Financial Services, LLC (a debt buyer) for violating the Fair Debt Collection Practices Act (FDCPA)and state law (including fraud) related to the settlement of a junk debt lawsuit filed against the consumer. Arrow sued the consumer in Shelby County District Court and the consumer agreed to settle the case in exchange for the case being dismissed with prejudice and the account being removed from the consumer's credit report. The consumer paid the money but then Arrow Financial sought and obtained a default judgment against the consumer. This resulted in a judgment on her credit report and Arrow Financial kept the full balance of the account on her credit report even though no money was owed as the case had been settled. Arrow also continued to pull the consumer's credit report which damaged the consumer's credit score. There was no basis for these unlawful credit pulls and inquiries. So Arrow was also sued for violating the Fair Credit Reporting Act(FCRA). Read the text of this case (PDF) or read a further discussion on our Blog.
Byram v. Amsher Collection Services, Inc. (d/b/a AmCheck Collections); Premiere Credit Of North America, LLC
Alabama consumer sues the collection agencies of Amsher Collection Services, Inc. (d/b/a AmCheck Collections) and Premiere Credit Of North America, LLC for violating state law and violating the Fair Debt Collection Practices Act (FDCPA). These defendants(Amsher/AmCheck is a local Birmingham, Alabama, based debt collector) kept 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).
Curb v. Ameriquest, Capital One Bank, HSBC, Equifax, Experian, and TransUnion
Alabama consumer sued three furnishers or creditors (Capital One, HSBC, and Ameriquest) and the three major credit reporting agencies (Equifax, Experian, and Union) related to false and inaccurate credit reporting. Multiple disputes and attempts were made by the consumer to resolve the matter but finally litigation began against the six defendants for violations of Fair Credit Reporting Act, and Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice). Read more about this case (PDF).
Diehl v. AIS Services, LLC
Alabama consumer was contacted by junk debt buyer AIS Services, LLC. Consumer informed the collector AIS that it had the wrong person as consumer had never had an account with the credit card company AIS claimed it had bought the debt from. Surprisingly, a short time later, AIS sued consumer. Consumer answered the lawsuit and won at trial. Consumer filed a lawsuit against AIS for violating state law and Fair Debt Collection Practices Act (FDCPA). Read more about this case (PDF)
Wesley v. Anderson Financial Network, Inc. (AFNI)
Alabama consumer sued AFNI for putting false information on credit reports after a discharge in bankruptcy. Consumer disputed this with the credit reporting agencies (Equifax, Experian, and TransUnion), and AFNI told one of the credit reporting agencies that the debt was still owed and a balance should still be shown on consumer's credit report. Suit was filed under the Fair Debt Collection Practices Act, Fair Credit Reporting Act, and Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice). Read more about this case (PDF).
Howard v. Carolyn Sue Allen
Smith v. Alabama Temps
Smith v. Afni, Chase Bankcard, Syndicated Office Systems
Madison v. Afni, Franklin Collection Services, Ford Motor Credit Company
Pfrommer v Allied Interstate, Inc. a Corporation, Lvnv Funding LLC, a Corporation
Tyron Works et al v. A1Mortgage Corporation, Transunion, a Corporation, LLC, Equifax Information Services, Experian Information Solutions, Inc
Watson v. Asset Acceptance, Experian Information Solutions, Inc., Transportation Union, Equifax Information Services, LLC
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
