Failure of Credit Bureau to Accurately Identify Source of Information is an Injury-In-Fact
Clark et al. V. TransUnion, LLC, EDVA-Richmond, December 9, 2016, 3:15-cv-391 The Fair Credit Reporting Act requires consumer reporting agencies to “clearly and accurately” disclose to consumers “the sources of information” in their credit files. 15 U.S.C. Section 1681g(a)(2). In this case, the defendant, TransUnion, provided a credit filed that listed two civil judgments. The credit report listed the sources of the judgments as “Henrico District Court” and “Virginia Federal Court.” One of the judgments was entered against the Plaintiff in November of 2008, but was appealed and ultimately dismissed. TransUnion purportedly failed to conduct a “timely and reasonable re