Providing Inaccurate Information to Credit Reporting Agencies
Plaintiff Christopher Carroll went through a Chapter 13 bankruptcy in November 2011, with an Order of Discharge entered in March 2017. According to the complaint for this civil action, however, the reporting submitted for his mortgage by Regions Bank, Inc. (Alabama) and published by Equifax Information Services, LLC still contains errors relating to the bankruptcy. Carroll disputed the entries and provided documentation, the complaint says, but the report still shows the errors, in violation of the Fair Credit Reporting Act (FCRA).
Mortgages are the largest items in most people’s credit portfolios, and errors in mortgage servicing can have major impacts on mortgage holders’ lives. In this class action, plaintiff Eugenia Rapp alleges that mortgage servicer Ditech did not use adequate dispute-reporting processes, so that it violated both the Real Estate Settlement Procedures Act (RESPA) and the Fair Credit Reporting Act (FCRA). According to the complaint, the disputes arose after Ditech took over the servicing of her modified home loan, when the company repeatedly furnished derogatory information to credit reporting agencies despite her sending repeated letters with documentation showing that she had made all her payments.
The complaint for this class action alleges that JP Morgan Chase furnished inaccurate information about plaintiff Mark Donald Hunt, in connection with a mortgage, to the three major credit agencies—Experian, Trans Union, and Exquifax—over a period of twenty-two months, for sixty-six violations of the FCRA.