Cases We’ve Won For Our Consumer Rights Clients

A Louisiana woman fell on hard times and in an effort to keep her home and a good relationship with her mortgage company, she filed for a chapter 13.  She completed all the payments through the bankruptcy plan and was granted a discharge due to the successful completion of plan payments. She continued to live in the home and the furnisher was to continue to report her payment activity.

Things seemed to be fine until she obtained her credit reports and noticed that her mortgage was reporting as if her obligation to pay had been discharged in a chapter 7 bankruptcy. Notably, the furnisher was not updating any of her recent payments or reporting that she still owed a balance. The client was ultimately denied refinancing opportunities, as well as several loans for credit cards and consumer goods. She also suffered anxiety due to this, for which she sought professional help.

Our client disputed the inaccuracies with the credit reporting bureaus providing her bankruptcy records and describing her hardships in applying for financing and the stress this caused. The attorneys at Fields Law were successful in bringing a claim against two of the credit reporting agencies and the mortgage company for false reporting and failure to properly investigate the client’s credit report. The credit report was corrected, and she received a considerable settlement for her damages.

An Arkansas woman’s mortgage payments had been reported as late for most months between mid-2016 and January 2018. Now in her 90s, our client had always paid by check and felt that payments were not being applied properly because of that because she had paper record that she was never late on her payments. She had tried to resolve the inaccurate late payments with her mortgage company for many years without success and had nearly given up on getting this fixed.

With one last push, the client got a detailed response under RESPA from the furnisher including the full payment history. She then disputed the inaccuracies with the credit reporting bureaus and supplied over 100 pages of records proving she made timely payments for years.  She even got a RESPA response from the furnisher stating that they reported no delinquencies.

The attorneys at Fields Law were successful in bringing a claim against two of the credit reporting agencies for false reporting and failure to properly investigate the client’s credit report. The client’s credit reports were finally corrected, the late payments were removed, she received a settlement for her damages, and she received vindication for the many years of false reporting about her pay history.

A Chicago man was discharged from a Chapter 7 bankruptcy in 2008 and he included his mortgage. He did not reaffirm his obligation to personally owe on the mortgage. He pulled his credit report and found that his mortgage company reported that he owed a balance and had been tracking his payment history since 2015. This was wrong because this mortgage could not report at all anymore since it had been over seven years from the date of the bankruptcy filing.

Worried that this would hurt his chances to purchase a home, our client disputed the inaccuracies with the credit reporting bureaus. He described that the mortgage was past the allotted time to report, and he provided proof of his Chapter 7 bankruptcy including the discharge and the docket summary.

The attorneys at Fields Law were successful in bringing a claim against two of the credit reporting agencies and the furnisher for false reporting and failure to properly investigate the client’s credit report. The client’s credit report was corrected, the delinquent account was removed from his reports, and he received a settlement for his damages, which included several credit card denials.