credit errors

Woman Sues Equifax For Credit Errors and Wins $18.6M

4 years ago

By now you should know that your credit is used for everything from determining whether you can get a job to getting an apartment or buying a house. Major errors on your credit report can cause adverse actions in any of those instances.

Now, imagine that you keep getting denied for credit and you have no idea why. You finally check your credit report and find numerous errors with everything from your birth date to cards that you never had listed. You try and try for two years to get the errors corrected, but they still persisted. Finally, the credit bureau tells you that your credit file had become mixed with someone else, so, some was able to see all of your information including your Social Security number. Because of this error the credit bureau was having a difficult time separating the files.

What would you do?

This happened to an Oregon woman named Julie Miller. Not only did Julie get frustrated and angry, she sued Equifax and was awarded a judgement of $18.6M. According to her attorney Justin Baxter, “There was damage to her reputation, a breach of her privacy and the lost opportunity to seek credit.”  A major factor in the decision was the co-mingling of information from two different people who were then provided with personal information that was not their own.

 

 

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Sandy Smith

This messy little blog was all my doing. I started this blog four years ago as a way of keeping myself accountable to my own debt reduction plans. Now I'm using this blog to help others get out of debt as well. Consider subscribing to get more delicious posts like this at least twice per week.

2 thoughts on “Woman Sues Equifax For Credit Errors and Wins $18.6M”

  1. Certainly a great victory for the individual, but I am worried about the justification and precedence a court winning like this can have on the rest of us. It sometimes seems that individuals who have the means, can sue and win a substantial winning whereas many others who are in similar situations wont ever see a winning like that.

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