London Daily

Focus on the big picture.
Monday, Oct 05, 2026

Florida woman files class action lawsuit against Equifax over credit score errors

Florida woman files class action lawsuit against Equifax over credit score errors

The lawsuit claims that Equifax's error violated the Fair Credit Reporting Act

A series of credit score errors by Equifax that the firm blamed on a coding mistake has now led to a class action lawsuit brought by a Florida woman who claims the company violated the Fair Credit Reporting Act by providing inaccurate credit scores.

Nydia Jenkins claims that because of Equifax's error, her credit score was off by 130 points when she applied for a car loan, resulting in her getting denied before having to take a different loan that is costing her $150 more per month. Jenkins' lawyers are looking to add potentially millions of other claimants who may have been affected to the lawsuit, which was filed Wednesday in Atlanta federal court.

"Equifax is allowed to perform credit reporting services, involving such sensitive consumer credit information, only if it adheres to the requirements of laws meant to protect the privacy and accuracy of such information, such as the FCRA," the complaint says. "Equifax’s maintenance, use, and furnishing of consumer reports is and was intended to affect Plaintiff and other Class Members, and the harm caused by the inaccuracies on consumer reports resulting from the Glitch was entirely foreseeable to Equifax."

The Wall Street Journal reported that Equifax told an auto lender that just 10% of applicants had wrong scores due to the glitch, which impacted applications for a three-week period in March and April. That number is far from small, however, given that lenders requested a total of roughly 2.5 million credit scores during that time, the Journal reported, citing industry officials.

Equifax said in a statement that "less than 300,000 consumers experienced a score shift of 25 points or more." The company has said that they are working with lenders and providing updated credit scores for those affected, but Jenkins's lawsuit says this is not enough.

"The damages that Plaintiff and Class Members bear as a result of the Glitch cannot be rectified by merely updating the affected credit reports," the complaint says. "In addition, while credit reporting agencies offer consumers one free credit report per year, consumers who request more than one credit report per year from the same credit reporting agency (such as Equifax) must pay a fee for the additional report. Such fees constitute out-of-pocket costs to Plaintiff and Class Members."

Close-up of the upper corner of a consumer credit report from the credit bureau Equifax, with text reading Credit File and Personal Identification, on a light wooden surface, September 11, 2017.


Jenkins' attorneys, John Morgan and John Yanchunis from the law firm Morgan & Morgan, said in a statement that "millions of American" use credit for "the most important purchases in their lives," such as cars and houses.

"This lawsuit alleges that Equifax failed to live up to its responsibility as one of America’s major credit reporting agencies by providing inaccurate information on millions of Americans," the statement said. "We believe that many of the people impacted – some of whom may still be unaware of what happened – suffered severe financial consequences. We will hold Equifax accountable for these alleged failures and win justice for everyone impacted."

Fox Business reached out to Equifax for comment on the lawsuit, but they did not immediately respond.

The American Association of Consumer Credit Professionals weighed in on the error, calling it "deeply troubling" for causing problems for so many people "at a time when many Americans were already struggling to purchase homes and automobiles[.]"

Comments

Mag Illa 4 year ago
Credit Report (data gathering) business must be responsible for what they sell! They should not be allowed to sell any personal data without the consent of the citizens approval. Fines and regulations. Just like traffic signals, we don't like them, we need them.

Newsletter

Related Articles

0:00
0:00
Close
BT Accused of Pressuring Vulnerable Customers During Digital Landline Shift
British Carmakers Warn of Growing Pressure From EU-China Tariff Dispute
Green Party of England and Wales Adopts Motion Defining Zionism as Racism
Medical Charity Threatens NHS Legal Action Over Two-Year Autism and ADHD Assessment Waits
British Transport Police Report Record Rise in Violence on Railways
Glasgow Council Workers Face Pay Cuts Under Fire-and-Rehire Plan
British Medical Groups Press Prime Minister Andy Burnham to Cancel £330 Million Palantir NHS Contract
UK Faces Record Bluetongue Outbreak Across Livestock Farms
UK Schools Report Thousands of Child-on-Child Sexual Offences
High Court Overturns Ban Blocking Gaza Families From Reuniting With Relatives in UK
G7 Authorizes Emergency Fuel Release as UK Diesel Prices Hit £2 a Litre
France and Italy Draw 1-1 in Nations League Match
Pope Leo XIV and Prince Albert II of Monaco Meet in Metz
SNCF Expands Low-Cost Ouigo High-Speed Service Between Lyon and Bordeaux
Paris Expands Dedicated Cargo Bike Routes for Urban Deliveries
French Film Industry Pushes for Tighter Streaming Investment Rules
Marseille Court Hands Down Prison Terms in Public Procurement Corruption Case
LVMH and Kering Rely on US Demand as Chinese Luxury Spending Slows
Toulouse Aerospace Sector Launches €80 Million Modernization Fund
Javier Milei Courts French Investment in LNG and Lithium
Mistral AI Launches Sovereign Model for European Public Services
French Competition Authority Fines Retailers €40 Million Over Misleading Promotions
France Records Exceptional Electricity Exports as Nuclear Output Recovers
Dassault Aviation Expands Rafale Assembly Capacity at Mérignac
Sanofi Invests €1 Billion in New Biologics Production Hub Near Lyon
France Protests Germany’s Extension of Border Controls Into 2027
French Public-Sector and Transport Unions Threaten National Strike
France Deploys Riot Police After Violence in Lyon Suburbs
French Anti-Terrorism Prosecutors Investigate Radicalized Flydubai Co-Pilot
France’s Defense Budget Surpasses NATO’s 2% of GDP Target
French Government Faces No-Confidence Threat Over Budget
France and G7 Release 100 Million Barrels From Strategic Oil Reserves
France Convenes Emergency Defense Council Over Threats to Commercial Shipping
France and Germany Coordinate Military Response After Russian Strikes on Kyiv Infrastructure
UK Police Release Six Iranian Nationals on Bail After RAF Fairford Security Alert
UK Business Confidence Falls as Energy Costs and Tax Uncertainty Rise
Cornwall Insight Warns UK Energy Bills Could Rise 16% in January
UK Introduces Zero VAT on Household Electricity Bills
UK 30-Year Gilt Yield Hits 6% as Bond Market Pressures Intensify
UK Introduces Stricter Subcontractor Checks and Expanded Trade Union Access
Green Party Proposes Three-Year Emergency Freeze on Private Rent Increases
UK Treasury Committee Seeks Tax Clarification Over Manchester City Investigation
Royal Marines Deploy to Faroe Islands for Northern European Security Exercise
UK Business Confidence Weakens as High Costs Delay Investment
UK GDP Growth Revised Up to 0.5% in Second Quarter
Bank of England Warns of Financial Stability Risks From Autonomous AI
UK Expands Early Prisoner Release Scheme to Ease Overcrowding
UK Records Worst Bluetongue Outbreak on Record Across Livestock Farms
UK Government Faces Shrinking Fiscal Headroom Ahead of October 28 Budget
UK 30-Year Gilt Yield Reaches 6% as Energy Shock Drives Borrowing Costs Higher
×