Judge Broomfield's decision:
The 14 page faxed order is posted at CreditCourt
The hard inquiry
I commend him for seeing through the CIC lame attempt to use the reports dated over two years later to prove that the inquiry wasn't hard.
I kept wondering whether I should have replied to that, even though it would have been late.
Now, it would be really good if some other people had the guts to submit evidence that these consumer disclosures are occasionally miscoded as hard inquiries. Or file their own suits. Whatever ... The purpose of this exercise is to get them to FIX whatever the problem is.
As far as I know, it's not a problem at Experian, but both Equifax and TU ConsumerInfo.com are *occasionally* reported as hard inquiries.
It's really important that I got this one, because I couldn't have refiled since the SOL would have been up.
The incomplete and incorrect tri-merged reports - dismissed
Apparently, Judge Broomfield thinks that because ConsumerInfo.com isn't a CRA, the consumer disclosures don't need to be complete or accurate.
He thinks consumers get a "more complete" picture with their tri-merged. Well, like most people, he has no idea.
I'm not clear on why they don't have to provide complete and accurate consumer disclosures just because they're not a CRA. What are they?
Why are they exempt?
The snake oil scores - dismissed
That only got one paragraph - I really don't know what I could have done besides including the reports with the various scores, proving that they can't all be right and ConsumerInfo.com is selling snake oil.
So, in summary -
I don't know that I should worry about it. CreditExpert (Experian) just started selling the ConsumerInfo.com reports instead of Experian reports. It is bizarre.
Those reports are as incomplete as they come. I'm still suing Experian, and obviously I'll have to amend my complaint at some time.
ConumerInfo.com is sued as Experian in the class action, it's really all the same.