A Mississippi consumer alleges in a proposed class action lawsuit that Equifax Information Services has run afoul of the Fair Credit Reporting Act (FCRA) by including on her credit report two duplicate negative trade lines while failing to conduct a reasonable investigation into the supposed inaccuracies.
The suit alleges the plaintiff incurred debts to Mississippi Power & Light and Wells Fargo. Both entities, according to the case, began reporting the allegedly unpaid balances to credit reporting agencies such as the defendant.
Soon thereafter, the plaintiff, the lawsuit says, noticed each account was included on her Equifax credit report twice over, meaning four negative trade lines appeared on the report when there should have been only two. Though the plaintiff supposedly submitted a dispute letter to the defendant, Equifax, the lawsuit says, failed to conduct a reasonable investigation into the dispute, “hurting [the plaintiff’s] credit score and credit worthiness two times as much as it should.”