Federal Lawsuits Against Debt Relief Companies

Quick Answer: Paul Hyun sued LVNV Funding, LLC, Equifax Information Services, LLC, Experian Information Solutions, Inc., and TransUnion, LLC in the United States District Court for the Eastern District of New York under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). The complaint alleges that LVNV Funding failed to conduct a reasonable investigation of inaccurate information on Hyun's credit reports and attempted to collect a debt he did not owe, while the credit reporting agencies failed to properly investigate his disputes regarding a fraudulent utility account. Hyun seeks actual, statutory, and punitive damages, as well as attorney's fees and an injunction to remove the erroneous information from his credit file. This is a legal filing containing allegations; no finding of liability has been made.

Quick Answer: Robert McSweeney sued Resurgent Capital Services, L.P. and LVNV Funding LLC in the United States District Court for the Southern District of New York under the Fair Debt Collection Practices Act and New York General Business Law. He alleges that the defendants improperly attempted to collect debts totaling $6,502.48 that he does not owe, misattributing them to him instead of a different individual with a similar name, and continued to contact him directly despite being informed that he was represented by counsel. McSweeney seeks actual damages, statutory damages, and reasonable attorneys' fees and costs. This is a legal filing containing allegations; no finding of liability has been made.

Quick Answer: Charles E. McInnis sued Midland Credit Management, Inc. in the United States District Court for the District of South Carolina under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act, among other laws. McInnis alleges that Midland Credit Management falsely reported debts that did not belong to him, failed to investigate disputes regarding these debts, and continued to report inaccurate information despite being notified of the identity theft. He seeks actual, statutory, and punitive damages, as well as attorney's fees and costs. This is a legal filing containing allegations; no finding of liability has been made.

Quick Answer: Luis Daniel Andino Salgado filed a lawsuit against Midland Credit Management, Inc. and Resurgent Capital Services LP in the United States District Court for the District of Connecticut under the Fair Credit Reporting Act, 15 U.S.C. § 1681. The complaint alleges that the defendants failed to conduct a reasonable investigation into fraudulent accounts attributed to the plaintiff, which were opened without his knowledge or consent, resulting in damage to his credit rating and emotional distress. The plaintiff seeks actual damages, statutory damages, punitive damages, and reasonable attorneys' fees and costs. This is a legal filing containing allegations; no finding of liability has been made.

Quick Answer: Detron Antonio Brown sued OneMain Financial Group, LLC and Bank of America, N.A. in the South Carolina Court of Common Pleas (Twelfth Judicial Circuit, Florence County), alleging violations of the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) and the South Carolina Identity Theft Protection Act, S.C. Code Ann. § 37-20-170. The complaint alleges that after Brown's identity was used by another person to fraudulently open a OneMain loan and a Bank of America credit card, both companies failed to conduct a reasonable investigation of his identity-theft disputes and continued to report the fraudulent accounts on his credit file. He seeks actual, statutory, punitive, and treble damages plus attorneys' fees and costs. This is a legal filing containing allegations; no finding of liability has been made.

Quick Answer: Sara Rodriguez sued Amsher Collection Services, Inc., Equifax Information Services LLC, and Experian Information Solutions, Inc. in the U.S. District Court for the Middle District of Florida, Tampa Division, alleging violations of the Fair Credit Reporting Act (15 U.S.C. § 1681 et seq.) — specifically Sections 1681s-2(b) against Amsher, 1681e(b) against Equifax and Experian, and 1681i against Experian. The complaint alleges the defendants continued to report a collection account, originally owed to Charter Communications, that did not belong to Rodriguez, and that Experian repeatedly reported an inaccurate alternate name ("Sara Morgan") on her credit file despite her disputes. She seeks actual, statutory, compensatory, and punitive damages plus attorneys' fees and costs. This is a legal filing containing allegations; no finding of liability has been made.

Quick Answer: Annette H. Ardis sued Attain Finance (f/k/a CURO Group Holdings Corp.), CURO Group Holdings LLC, CURO Management, LLC, Heights Finance Holding Co., Quick Credit Corporation, and National Credit Adjusters, L.L.C. in the U.S. District Court for the District of South Carolina, Columbia Division, alleging violations of the Fair Credit Reporting Act, 15 U.S.C. § 1681s-2(b), and — against National Credit Adjusters — the Fair Debt Collection Practices Act, 15 U.S.C. § 1692e(8), for repeatedly verifying two identity-theft accounts (a Quick Credit installment loan and an NCA collection account) as accurate despite disputes showing a different address, a different Social Security number, and a mismatched name, plus a South Carolina common-law claim for defamation, libel and slander. Ardis seeks actual, statutory and punitive damages, and attorneys' fees and costs. This is a legal filing containing allegations; no finding of liability has been made.

Quick Answer: Bridget Marie Hess sued Affirm, Inc. and Citibank, N.A. in the U.S. District Court for the Western District of Wisconsin, alleging violations of the Fair Credit Reporting Act, 15 U.S.C. § 1681s-2(b), for failing to conduct a reasonable investigation and correct four fraudulent accounts — three Affirm accounts and one Citibank account — opened in her name after a 2023 data-breach-linked identity theft, despite ACDV responses showing an address in a different state and a name that did not perfectly match hers. Hess seeks actual damages, statutory damages, punitive damages, and reasonable attorneys' fees and costs. This is a legal filing containing allegations; no finding of liability has been made.

Quick Answer: Anthony Dickerson sued NetCredit Loan Services, LLC in the U.S. District Court for the District of South Carolina, Beaufort Division, alleging violations of the Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq. — specifically 15 U.S.C. §§ 1681s-2(b)(1)(A), (B), (C) and (D) — for repeatedly verifying a fraudulent, identity-theft account as accurate across more than a dozen disputes and investigation results over nearly two years, and also brings a South Carolina common-law claim for defamation, libel and slander. Dickerson seeks actual damages, statutory damages, punitive damages, costs and attorney's fees. This is a legal filing containing allegations; no finding of liability has been made.

Quick Answer: Michael Aiken, individually and on behalf of a proposed nationwide class, sued Credit Freedom and Restoration Corporation in the U.S. District Court for the Eastern District of Pennsylvania (Case No. 2:26-cv-01782) under the Class Action Fairness Act, alleging that Credit Freedom failed to secure customers’ personal information — including driver’s license numbers, Social Security numbers, plaintext credit card data and card images, utility bills, and credit reports — before an unauthorized party accessed its CRM software and exfiltrated the data of approximately 30,000 individuals in a data breach on or about March 12, 2026. The complaint alleges claims for negligence, breach of implied contract, breach of the implied covenant of good faith and fair dealing, unjust enrichment, and declaratory judgment, and seeks class certification, injunctive relief, damages, restitution, credit monitoring, and attorney’s fees. This is a legal filing containing allegations; no finding of liability has been made.