A proposed class action lawsuit takes aim at Target Corporation over allegations from a California consumer who says the retailer “willfully or negligently” failed to report his Target credit card debt in an accurate manner.
Citing potential violations of the California Consumer Credit Reporting Agencies Act, the case states the plaintiff incurred a debt on his Target-issued credit card before filing for bankruptcy in December 2015. After his bankruptcy filing, the suit says, the plaintiff’s Target debt was discharged in March 2016 pursuant to a court order mailed to the defendant.
Though the plaintiff’s account should have been closed and set to a $0.00 balance, the man’s TransUnion credit report pulled in September 2016 shows that Target reported his account not as discharged, but as “charged off” from January to August 2016, the case explains.
“[The defendant] reported information to TransUnion, a credit reporting agency, that it had reason to know or should have known was inaccurate,” the case argues, “as evidenced by the fact that the bankruptcy court mailed [Target] a discharge notice that explicitly discharged the Debt.”