(LitigationNews) January 8, 2009—Dr. Tameira Hollander filed suit against her former patient Barbara Bailey and her husband John Bailey and against CreditSuit.org blog owner Christine Baker. Ms. Baker found the summons, complaint and temporary restraining order outside her garage on December 12, 2008 and she removed her blog as required by the court’s order. Ms. Baker seeks legal representation to vacate the TRO and to litigate this case to discourage future frivolous and harassment suits against consumer activists.
Consumer activist Christine Baker sued Focus Receivables Management LLC and its collector James Hurd after he ignored her legitimate dispute, continued to collect and threatened to report a disputed DirecTV debt to the credit bureaus unless she paid the bogus $250 debt. Focus denies that it violated the FDCPA and Ms. Baker now seeks a competent attorney to represent her.
The FACT Act of 2003 requires regulators to issue guidelines and regulations for creditors and collectors who report to credit bureaus to ensure the accuracy and integrity of the information they furnish. Despite the FCRA requirement to report “complete” account information, Capital One refuses to report the credit limits to make it more difficult for account holders to obtain credit from competitors.
Consumer advocate Christine Baker now seeks $5,000,000 in punitive damages because Verizon Wireless continues to misrepresent the disputed debt to the court as valid. The entire punitive damages award is to be used to establish a non profit consumer litigation organization to assist consumers with billing, credit and collection problems.
Consumer litigant Christine Baker sued Target after her Target Guest Card credit limit was not reported on her credit reports despite her disputes with Equifax and Experian, lowering the credit scores. Target claims that it always reported the credit limits, but the limits were not on the credit reports.
Credit bureaus often refuse to provide credit reports and they decline to investigate credit disputes, claiming that they can not identify the consumers. Usually they demand that consumers mail copies of ID and utility bills or other documentation without offering any alternatives to establish their identity by phone, fax or e-mail. Credit bureaus do not offer toll-free numbers or any special assistance to military personnel overseas, limiting their ability to request corrections, resulting in higher interest rates and fewer credit opportunities.
Health One, Inc. and National Way Healthcare Association are one of several Texas corporations exploiting the uninsured and advertising practically worthless discount plans as health insurance. I am demanding immediate action from the TX and AZ AGs and the AZ Insurance Department.
Target attached the 1/18/2000 Federal Financial Institution Examination Council (FFIEC) Advisory Letter as exhibit to its Motion for Summary Judgment, claiming that it acknowledges that furnishers of credit information such as Target are not required by the FCRA to report credit limits to the credit bureaus. I am demanding a new Advisory Letter requiring that all creditors report the credit limits.
Long-time Chase Bank account holder Ted Pett Jr. filed suit after Chase raised the interest rate to 19.99% and reported the account and balance twice to Experian. Chase also improperly raised the interest rates for some Bank One customers after the acquisition up to 28.74%.
After declining the mortgage application for *any* amount, Ameriquest Mortgage Company sent the “pre-qualification‿ letter based on credit information - indicating that it targeted consumers with poor credit ratings and/or high credit card debts rather than complying with the FCRA requirement to obtain credit report data only for consumers who will receive “FIRM offers of credit.
