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
Bingham v. Credit Management LP
Alabama consumer sued the debt collector Credit Management LP for violating the law in collecting a small cable bill for Charter. The bill was not the responsibility of the consumer - her ex-husband had subscribed to the service and Charter would not disconnect it when requested by consumer. But Charter sent it out to Credit Management to collect from the consumer. Consumer sued Credit Management for harassing phone calls to her home and business and for telling her that since she was married at one time it was her responsibility to pay this cable bill when this is contrary to the law of Alabama. The suit claimed violations of the Fair Debt Collection Practices Act (FDCPA) and Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice). Read more about this case (PDF).
Camp v. Capital Accounts, LLC; and Equifax Information Services, LLC
Alabama consumer sues the debt collector Capital Accounts, LLC for its wrongful reporting of a discharged dental bill. The debt was discharged and the consumer disputed it with Equifax. The account was corrected. Then the account re-appeared on the consumer's credit report with a balance. The consumer disputed it but Capital Accounts and Equifax decided to keep the false account on the consumer's credit report. Consumer sued Capital Accounts for violating 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). Equifax was sued for violating 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).
Caverno v. Citibank (South Dakota), N.A.; and Universal Savings Banc Holdings, Inc.
Consumer sued Citibank (South Dakota), N.A.; and Universal Savings Banc Holdings, Inc. for violating state law as 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).
Curb v. Capital One Bank, HSBC, Ameriquest, 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 TransUnion) 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(FCRA), and Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice). Read more about this case (PDF).
Dailey v. Capital One Bank
Alabama consumer filed for bankruptcy protection and received a discharge in his chapter seven bankruptcy for the debt owed to the credit card issuer Capital One Bank. Instead of reporting his account as "included in bankruptcy" with a zero balance, Capital One reported a balance owing. Consumer disputed this with the credit reporting agencies (Equifax, Experian, and Trans Union) and Capital One decided to keep the balance on the credit reports. Consumer sued Capital One for violating the Fair Credit Reporting Act (FCRA) and Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice).
Daniel v. Capital One Bank, and Household Finance Corporation of Nevada
Alabama consumer filed for bankruptcy and discharged a Capital One credit card debt and a debt owed to Household Finance Corporation of Nevada (HFC). The problem arose when these two companies not only kept the balances on the accounts but when the consumer disputed these accounts with the credit reporting agencies, Capital One and HFC told the credit reporting agencies to keep the balances on the credit reports instead of showing them as "discharged in bankruptcy" and a zero balance. Suit was filed for violations of Fair Credit Reporting Act (FCRA), and Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice). Read more about this case (PDF).
Duckworth v. Choicepoint Inc.; and State Farm Mutual Automobile Insurance Company
Consumer called in to State Farm to report a wreck that happened to a family member's car. State Farm logged the wreck as being the fault of consumer. This was reported to the credit reporting agency Choicepoint which maintains a variety of credit reports but in this case maintained one on insurance claims made. Consumer disputed this false information repeatedly to both Choicepoint and State Farm. When the false information remained, consumer sued. Both Choicepoint and State Farm were sued for violating state law and the Fair Credit Reporting Act (FCRA).
Ford v. Citibank (South Dakota) N.A., a Corporation; and Compass Bank, a Corporation
Alabama consumer filed for bankruptcy and discharged a Citibank credit card debt and a debt owed to Compass Bank. The problem arose when these two companies not only kept the balances on the accounts but one of them updated the account many months after the discharge. So, both of these companies (Citibank and Compass Bank) told the credit reporting agencies to keep the balances on the credit reports instead of showing them as "discharged in bankruptcy" and a zero balance. Suit was filed for violations of Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice). Read more about this case (PDF).
Hastings v. Capital One Bank
Alabama consumer filed for bakruptcy and discharged a Capital One credit card debt. This meant that the consumer no longer owed Capital One for this debt. Capital One could not take any action to collect this "discharged" debt. The problem arose when Capital One, which knows the law as it is one of the largest credit card companies, kept the balance on the account months after the discharge. Amazingly, Capital One told the credit reporting agencies to keep the balance on the credit reports instead of showing the account as "discharged in bankruptcy" and a zero balance. Suit was filed for violations of Alabama state law (defamation, invasion of privacy, wantonness, intentional conduct, and malice). Read more about this case (PDF).
Henningsen v. Credit Bureau Systems, Inc.; Franklin Collection Service, Nuvell Credit Company, and 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).
Hicks v. Capital One Bank, Experian Information Solutions, Inc.; Equifax Information Services, LLC; and Wachovia Bank, National Association
An Alabama consumer sued all of the defendants under state law (defamatin, invasion of privacy, wantonness, intentional conduct, and malice) and under the federal Fair Credit Reporting Act law. The Capital One account was not reporting correctly and Capital One, Equifax, and Experian refused to correct it despite several disputes from the consumer. The Wachovia account was an identity theft account and it was not promptly removed when the consumer sent in his dispute and proof that it was not his. Read more about this case (PDF).
Jones v. Cach, LLC, Scott Lowery Law Office, P.C.
Lee v. Corporate Collection SErvices, Inc.
Robbins v. Cach, LLC, Pentagroup Financial, LLC, Transunion LLC, Equifax Information Services, Inc, et Experian Information Solutions, INc et al
Smith v. Chase Bankcard, Afni, Syndicated Office Systems
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
