Inmate files suit against Equifax, others over allegedly inaccurate credit reports

By Carrie Bradon | May 20, 2019

KINGWOOD – A man currently incarcerated at Federal Correctional Institution, Hazelton alleges inaccurate information is listed on his credit reports.

Joshua J. Minix filed a complaint in Preston Circuit Court against Central Source LLC, Experience Information Solutions Inc., Equifax Information Services LLC, TransUnion LLC, Biltmore Asset Management, Capital One, LN/Datalab/Progressive, Child Support Collection Unit and the U.S. Department of Education citing the West Virginia Consumer Credit and Protection Act and the Fair Credit Reporting Act.

The suit states in March 2018, the plaintiff requested copies of his credit report from Equifax, Experian and TransUnion. The plaintiff alleges he received a response in April 2018 from Experian and his credit report contained a number of errors, one of which was an inquiry from Biltmore Asset Management. 

The plaintiff alleges he forwarded a letter to New York State Child Support Processing Center on June 6, 2018, requesting that the payments he could not afford to be deferred and requested a cease and desist. The suit states the Washington County Department of Social Services responded to the plaintiff on July 6, 2018, telling the plaintiff to file a modification with the court. 

The plaintiff alleges he contacted Biltmore Asset Management on July 31, 2018, asking for information about its inquiry of his information. He also alleges he contacted Progressive and Capitol One the following month inquiring why they obtained his credit information.

The plaintiff alleges he requested from the three credit bureaus that a fraud alert be placed in his file on Aug. 13, 2018, because of the high volume of inquiries. The plaintiff alleges he also disputed the allegedly inaccurate information on his credit reports.

The plaintiff alleges the defendants failed to comply with the FCRA. 

The plaintiff is seeking all reasonable sums due, attorney fees and court costs. The plaintiff is representing himself.

The case has been assigned to Circuit Judge Steven L. Shaffer.

Preston Circuit Court case number 19-C-36

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