MIAMI – A Miami-Dade County man alleges he cannot obtain credit on favorable terms because of false information reported on his credit report.
A. Fernandez filed a complaint on March 27 in the U.S. District Court
for the Southern District of Florida, Miami Division against
DirecTV LLC, IC System Inc. and Equifax Inc.
citing the Fair Debt Collection Practices Act, the Fair Credit Reporting
Act and the Florida Consumer Collection Practices Act.
to the complaint, the plaintiff alleges that in January 2016, he
discovered that DirecTV placed a negative trade line on his credit
reports but the plaintiff has never had service or an account with it.
The suit states he disputed the entry and it was eventually removed from
his credit report.
The suit states that on or about Jan. 11, IC
System sent plaintiff a letter to collect the alleged debt from DirecTV
and also reported it to Equifax, which he disputed.
He alleges he
is now "locked out" of the credit market and cannot obtain credit on
the most favorable terms because of the defendants' actions.
plaintiff holds DirecTV LLC, IC System Inc. and Equifax Inc. responsible
because the defendants allegedly failed to properly evaluate or
consider information, claims or evidence about the alleged account,
failed to establish or verify the accuracy of the debt, and failed to
delete inaccurate information in plaintiff's credit file.
plaintiff requests a trial by jury and seeks judgment in favor for actual damages, statutory damages, attorney’s fees,
litigation expenses and costs of suit, and further relief as the court
deems proper. He is represented by Christopher W. Legg and Matthew
Buchwald of Buchwald Legg PLLC in Hollywood.
U.S. District Court for the Southern District of Florida, Miami Division Case number 1:17-cv-21138