FCRA Credit Report Dispute Complaint - Mississippi

COMPLAINT FOR VIOLATIONS OF THE FAIR CREDIT REPORTING ACT AND THE MISSISSIPPI CONSUMER PROTECTION ACT

OPTION A — FEDERAL FORUM

IN THE UNITED STATES DISTRICT COURT
FOR THE [NORTHERN / SOUTHERN] DISTRICT OF MISSISSIPPI

Civil Action No. [____________]

OPTION B — STATE FORUM

IN THE [CIRCUIT / COUNTY] COURT OF [________________________________] COUNTY, MISSISSIPPI

Civil Action No. [____________]

COMPLAINT AND DEMAND FOR JURY TRIAL

Plaintiff [PLAINTIFF FULL LEGAL NAME] ("Plaintiff"), by and through undersigned counsel, brings this action against Defendant [CONSUMER REPORTING AGENCY] (the "CRA Defendant") and Defendant [FURNISHER NAME] (the "Furnisher Defendant") (collectively, "Defendants"), and alleges as follows:

I. NATURE OF THE ACTION

1. This is an action for damages brought by an individual consumer against a consumer reporting agency and a furnisher of information arising under the federal Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. ("FCRA"), and the Mississippi Consumer Protection Act, Miss. Code Ann. § 75-24-1 et seq. ("MCPA").

2. The CRA Defendant prepared and disseminated consumer credit reports containing inaccurate information concerning Plaintiff and, after Plaintiff disputed that information, failed to follow reasonable procedures to assure maximum possible accuracy and failed to conduct a reasonable reinvestigation, in violation of 15 U.S.C. §§ 1681e(b) and 1681i.

3. The Furnisher Defendant, after receiving notice of Plaintiff's dispute from the CRA Defendant, failed to conduct a reasonable investigation and continued to report inaccurate information, in violation of 15 U.S.C. § 1681s-2(b).

II. JURISDICTION AND VENUE

4. Subject-Matter Jurisdiction (Federal Forum). This Court has federal-question jurisdiction under 28 U.S.C. § 1331 and 15 U.S.C. § 1681p, which provides that an action to enforce liability under the FCRA may be brought in "any appropriate United States district court ... or in any other court of competent jurisdiction." This Court has supplemental jurisdiction over the MCPA claim under 28 U.S.C. § 1367.

5. Subject-Matter Jurisdiction (State Forum). Alternatively, the Mississippi state court has jurisdiction because 15 U.S.C. § 1681p confers concurrent jurisdiction on any court of competent jurisdiction, and Miss. Code Ann. § 75-24-15(1) authorizes a private action "in the court having jurisdiction in the county in which the seller, lessor, manufacturer or producer resides, or has his principal place of business or, where the act or practice prohibited by Section 75-24-5 allegedly occurred."

6. Personal Jurisdiction. Each Defendant regularly conducts business in Mississippi and committed the acts and omissions complained of in Mississippi, and therefore is subject to jurisdiction under Mississippi's long-arm statute, Miss. Code Ann. § 13-3-57.

7. Venue. For a federal filing, plead facts satisfying one specific 28 U.S.C. § 1391(b) route: (1) a district where any defendant resides if all defendants reside in the forum State; (2) a district where a substantial part of the events or omissions occurred; or (3), only if no district is otherwise available, a district where a defendant is subject to personal jurisdiction for the action. Plaintiff's residence or a generic statement that a defendant transacts business in the forum is not enough by itself. For a state filing, separately apply Miss. Code Ann. § 11-11-3 and § 75-24-15(1).

III. PARTIES

8. Plaintiff. Plaintiff is a natural person residing in [CITY], [________________________________] County, Mississippi, and is a "consumer" as defined by 15 U.S.C. § 1681a(c) and a person who purchased or leased goods or services primarily for personal, family, or household purposes within the meaning of Miss. Code Ann. § 75-24-15(1).

9. CRA Defendant. Defendant [CONSUMER REPORTING AGENCY] is a [corporation/LLC] organized under the laws of [STATE] with its principal place of business at [ADDRESS]. It is a "consumer reporting agency" as defined by 15 U.S.C. § 1681a(f) because, for monetary fees, it regularly assembles and evaluates consumer credit information for the purpose of furnishing consumer reports to third parties.

10. Furnisher Defendant. Defendant [FURNISHER NAME] is a [corporation/LLC/bank/collection agency] with its principal place of business at [ADDRESS]. It is a "furnisher" of information that regularly provides information about consumers, including Plaintiff, to one or more consumer reporting agencies for inclusion in consumer reports.

IV. FACTUAL ALLEGATIONS

11. The Inaccurate Item. Plaintiff's consumer file maintained by the CRA Defendant contains the following inaccurate item of information (the "Disputed Item"):
    - Creditor/Furnisher Name: [________________________________]
    - Account Number (last 4): [____]
    - What the report inaccurately states: [DESCRIBE — e.g., account reported as charged-off/late/open with balance of $[AMOUNT]]
    - What is true and accurate: [DESCRIBE — e.g., account was paid in full / never belonged to Plaintiff / discharged in bankruptcy]

12. Type of inaccuracy (check all that apply):
    ☐ Account does not belong to Plaintiff (mixed file / identity theft)
    ☐ Balance, payment history, or account status is incorrect
    ☐ Account was paid, settled, or discharged in bankruptcy and is reported otherwise
    ☐ Obsolete information being reported beyond the period allowed by 15 U.S.C. § 1681c
    ☐ Duplicate reporting of the same debt
    ☐ Other: [________________________________]

13. The Written Dispute to the CRA. On or about [__/__/____], Plaintiff sent a written dispute to the CRA Defendant identifying the Disputed Item, explaining why it is inaccurate, and enclosing supporting documentation. The dispute was sent by [certified mail / the CRA's online portal] and received by the CRA Defendant on or about [__/__/____].

14. The CRA's Failed Reinvestigation. Upon receiving Plaintiff's dispute, the CRA Defendant was required by 15 U.S.C. § 1681i(a)(1) to conduct a reasonable reinvestigation, free of charge, within the statutory period. The CRA Defendant failed to conduct a reasonable reinvestigation and instead [parroted the furnisher's verification / "verified" the item without meaningful review / failed to forward all relevant information to the furnisher / failed to respond]. The CRA Defendant continued to report the Disputed Item as accurate.

15. Notice to and Failure by the Furnisher. Pursuant to 15 U.S.C. § 1681i(a)(2), the CRA Defendant forwarded notice of Plaintiff's dispute to the Furnisher Defendant. Upon receiving that notice, the Furnisher Defendant was required by 15 U.S.C. § 1681s-2(b) to conduct its own investigation, review all relevant information provided by the CRA, report the results, and correct or delete information found to be inaccurate or incomplete. The Furnisher Defendant failed to do so and continued to furnish the inaccurate Disputed Item.

16. Harm to Plaintiff. As a direct and proximate result of Defendants' conduct, Plaintiff suffered an ascertainable loss of money or property and other harm, including: ☐ denial of credit, ☐ a higher interest rate or less favorable credit terms, ☐ denial of [employment/housing/insurance], ☐ damage to credit score and creditworthiness, ☐ out-of-pocket costs, and ☐ emotional distress, humiliation, frustration, and lost time spent disputing the inaccuracy.

17. MCPA pre-suit dispute resolution. Before asserting the MCPA count, Plaintiff ☐ made a reasonable attempt to resolve the claim through an informal dispute settlement program approved by the Mississippi Attorney General as required by Miss. Code Ann. § 75-24-15(2), on or about [__/__/____], ☐ and that program did not resolve the dispute.

V. CAUSES OF ACTION

COUNT I — Violation of 15 U.S.C. § 1681e(b) (CRA Defendant)

Failure to follow reasonable procedures to assure maximum possible accuracy

18. Plaintiff re-alleges and incorporates paragraphs 1–17.

19. Section 1681e(b) provides: "Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates."

20. The CRA Defendant prepared and published consumer reports concerning Plaintiff that contained the inaccurate Disputed Item and failed to follow reasonable procedures to assure maximum possible accuracy.

21. The CRA Defendant's violation was willful (15 U.S.C. § 1681n) or, in the alternative, negligent (15 U.S.C. § 1681o), entitling Plaintiff to the damages set forth below.

COUNT II — Violation of 15 U.S.C. § 1681i (CRA Defendant)

Failure to conduct a reasonable reinvestigation

22. Plaintiff re-alleges and incorporates paragraphs 1–17.

23. Upon receiving Plaintiff's dispute, the CRA Defendant was required by 15 U.S.C. § 1681i to conduct a reasonable reinvestigation, to forward all relevant information to the Furnisher Defendant, and to delete or modify information that could not be verified.

24. The CRA Defendant failed to conduct a reasonable reinvestigation and failed to delete or correct the inaccurate Disputed Item, in willful or negligent violation of § 1681i.

COUNT III — Violation of 15 U.S.C. § 1681s-2(b) (Furnisher Defendant)

Failure to investigate after notice of dispute

25. Plaintiff re-alleges and incorporates paragraphs 1–17.

26. After receiving notice of Plaintiff's dispute from the CRA Defendant pursuant to 15 U.S.C. § 1681i(a)(2), the Furnisher Defendant was required by 15 U.S.C. § 1681s-2(b) to investigate, review all relevant information, report the results, and correct or delete inaccurate or incomplete information.

27. The Furnisher Defendant failed to conduct a reasonable investigation and continued to furnish the inaccurate Disputed Item, in willful or negligent violation of § 1681s-2(b).

COUNT IV — Violation of the Mississippi Consumer Protection Act, Miss. Code Ann. § 75-24-1 et seq. (Both Defendants)

28. Plaintiff re-alleges and incorporates paragraphs 1–17.

29. Defendants' conduct affecting commerce — reporting, and failing to reasonably reinvestigate and correct, the inaccurate Disputed Item after Plaintiff's dispute — constitutes unfair or deceptive trade practices prohibited by Miss. Code Ann. § 75-24-5, including misrepresentations of fact concerning Plaintiff's credit standing.

30. Plaintiff satisfied the pre-suit requirement of Miss. Code Ann. § 75-24-15(2) as alleged in Paragraph 17, and brings this count solely in Plaintiff's own name and for Plaintiff's sole benefit, not as a class action, consistent with § 75-24-15(4).

31. As a direct and proximate result of Defendants' prohibited practices, Plaintiff suffered an ascertainable loss of money or property and is entitled to recover that loss pursuant to Miss. Code Ann. § 75-24-15(1).

VI. DAMAGES

32. As a result of the willful FCRA violations, Plaintiff is entitled under 15 U.S.C. § 1681n to actual damages or statutory damages of not less than $100 and not more than $1,000, punitive damages, and reasonable attorney's fees and costs.

33. In the alternative, for negligent FCRA violations, Plaintiff is entitled under 15 U.S.C. § 1681o to actual damages and reasonable attorney's fees and costs.

34. Under the MCPA, Plaintiff is entitled to recover the ascertainable loss of money or property sustained as a result of Defendants' prohibited practices, pursuant to Miss. Code Ann. § 75-24-15(1).

35. This action is timely under 15 U.S.C. § 1681p (the earlier of two years after discovery or five years after the violation) and under the applicable Mississippi limitations period, Miss. Code Ann. § 15-1-49, for the MCPA claim.

VII. PRAYER FOR RELIEF

WHEREFORE, Plaintiff respectfully requests that the Court enter judgment against Defendants and award:

A. Actual damages in an amount to be proven at trial;
B. Statutory damages of $100 to $1,000 under 15 U.S.C. § 1681n;
C. Punitive damages under 15 U.S.C. § 1681n;
D. The ascertainable loss of money or property under Miss. Code Ann. § 75-24-15(1);
E. Deletion, correction, or injunctive relief only to the extent a separately pleaded claim and identified authority authorize that remedy;
F. Reasonable attorney's fees and costs under 15 U.S.C. §§ 1681n and 1681o;
G. Pre- and post-judgment interest as allowed by law; and
H. Such other and further relief as the Court deems just and proper.

VIII. DEMAND FOR JURY TRIAL

Pursuant to the Seventh Amendment to the United States Constitution and Rule 38 of the Federal Rules of Civil Procedure (or Miss. R. Civ. P. 38 in state forum), Plaintiff demands a trial by jury on all issues so triable.

IX. SIGNATURE

Respectfully submitted,

Dated: [__/__/____]

________________________________
[ATTORNEY NAME], Mississippi Bar No. [____________]
[LAW FIRM NAME]
[ADDRESS]
[CITY, STATE ZIP]
Telephone: [________________________________]
Email: [________________________________]
Counsel for Plaintiff

X. VERIFICATION

I, [PLAINTIFF FULL LEGAL NAME], declare under penalty of perjury under the laws of the United States and the State of Mississippi that I have read the foregoing Complaint and that the factual allegations contained therein are true and correct to the best of my knowledge, information, and belief.

Executed on [__/__/____] at [CITY], Mississippi.

________________________________
[PLAINTIFF FULL LEGAL NAME]

Sources and References

• 15 U.S.C. § 1681e(b) — Compliance procedures / accuracy of report: https://www.law.cornell.edu/uscode/text/15/1681e
• 15 U.S.C. § 1681i — Procedure in case of disputed accuracy: https://www.law.cornell.edu/uscode/text/15/1681i
• 15 U.S.C. § 1681s-2 — Responsibilities of furnishers of information: https://www.law.cornell.edu/uscode/text/15/1681s-2
• 15 U.S.C. § 1681n — Civil liability for willful noncompliance: https://www.law.cornell.edu/uscode/text/15/1681n
• 15 U.S.C. § 1681o — Civil liability for negligent noncompliance: https://www.law.cornell.edu/uscode/text/15/1681o
• 15 U.S.C. § 1681p — Jurisdiction of courts; limitation of actions: https://www.law.cornell.edu/uscode/text/15/1681p
• Miss. Code Ann. § 75-24-5 — Prohibited unfair/deceptive practices: https://law.justia.com/codes/mississippi/title-75/chapter-24/general-provisions/section-75-24-5/
• Miss. Code Ann. § 75-24-15 — Private action; AG dispute-resolution prerequisite; no class actions: https://law.justia.com/codes/mississippi/title-75/chapter-24/general-provisions/section-75-24-15/
• Miss. Code Ann. § 75-24-19 — Civil penalties: https://law.justia.com/codes/mississippi/title-75/chapter-24/general-provisions/section-75-24-19/
• Mississippi Attorney General, Consumer Protection Division: https://www.attorneygeneral.ms.gov/divisions/consumer-protection/
• U.S. District Court for the Southern District of Mississippi Local Rules: https://www.mssd.uscourts.gov/local-rules