Federal Jury Belts Credit Bureau For $18M+ In Damages Over Repeated Failures To Fix Consumer's Credit Report

In Portland, Oregon, The Oregonian reports:

• A jury Friday awarded an Oregon woman $18.6 million after she spent two years unsuccessfully trying to get Equifax Information Services to fix major mistakes on her credit report.
  
  The judgement, likely to be appealed, appears to be one of the largest awarded to a consumer in a case against one of the nation's major credit bureaus.
  
  Julie Miller of Marion County, who was awarded $18.4 million in punitive and $180,000 in compensatory damages, contacted Equifax eight times between 2009 and 2011 in an effort to correct inaccuracies, including erroneous accounts and collection attempts, as well as a wrong Social Security number and birthday. Yet over and over, the lawsuit alleged, the Atlanta-based company failed to correct its mistakes.
  
  "There was damage to her reputation, a breach of her privacy and the lost opportunity to seek credit," said Justin Baxter, the Portland attorney who teamed on the case with his father and law partner, Michael Baxter. "She has a brother who is disabled and who can't get credit on his own and she wasn't able to help him."
  
  Tim Klein, an Equifax spokesman, said Friday that he didn't have any details about the decision from the Oregon Federal District Court. He declined to comment about the specifics of the case.

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• Miller first discovered a problem when she was denied credit by a bank in early December 2009. She alerted Equifax and filled out multiple forms faxed by the credit agency seeking updated information.
  
  In addition to requesting the changes, Miller had asked several times for copies of her credit report, the lawsuit alleged. Credit bureaus are required by law to provide reports to consumers for free annually and after that, for a small fee. On numerous occasions, Equifax failed to respond to Miller's requests.
  
  Miller had found similar problems in her reports with other credit bureaus. However, Baxter said, those companies had corrected their mistakes.
  
  The issue wasn't a result of identify theft, Baxter said. Instead, the information from another "Julie Miller" had simply been placed in the plaintiff's record by mistake. In at least one case, the lawsuit alleged, the plaintiff's private financial information was sent to companies inquiring about the other Julie Miller.

For the story, see Equifax must pay $18.6 million after failing to fix Oregon woman's credit report.