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Millions ($5.3) Awarded To Oregon Woman For Errors On Credit Report

Chicago, IL and Philadelphia, PA – August 19, 2021 –Recently, an Oregon jury awarded Judy Thomas $5.3 million dollars for errors found in her Credit Report. The Oregon woman battled with Chicago based Credit Reporting giant Trans Union for 6 years to have false information belonging to another woman, removed from her report. Thomas won her lawsuit against Trans Union for violations of the Fair Credit Reporting Act, the federal law which regulates the accuracy of information contained in Credit Reports and mandates that the Credit Reporting agencies investigate and correct mistakes within a 30 day period.
Trans Union, Equifax and Experian, or the “big 3” Credit Reporting agencies report most of the information that is used for Consumer lending in this country. Often, a Consumer is unaware of exactly what information is being reported about their own credit history, until they are unjustly turned down for a mortgage or installment loan. Only than, after ordering copies of their Credit Report, do they discover that there is an incorrect piece of information that has been reported which caused the denial.
According to Consumer attorneys who handle Fair Credit Reporting Act claims, the system is inherent with flaws. The merging or mixing of credit files from 2 different, unrelated individuals into one report, or “mismerge” as it is know in the industry, is all too common. Jim Francis, of Francis & Mailman, P.C., a Philadelphia law firm that concentrates its practice in Credit Reporting cases, was not surprised by the verdict. “What is unfortunately known all too well by American Consumers is that Credit Reports are riddled with errors and outdated information that often stands in the way of a job or mortgage. What is not known, is that the major Credit Reporting agencies are well aware of this problem and simply refuse to do anything about it.”
Mark Mailman of Francis & Mailman claims, “Juries are now awarding damages that take into account the emotional stress that goes along with a credit denial based on false information, as was the case with the $300,000 damages award in the Thomas verdict. He adds, “Your good credit rating is gone, and as a result of the ongoing battle to restore your rating, your emotional and physical health decline.”
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Credit report correction techniques  

Credit report correction techniques

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Basic rights under The Fair Credit Reporting Act  

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