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Florida residents allege violation of Fair Credit Reporting Act

By Michael Abella | Jan 23, 2017


EAST ST. LOUIS — Two Florida residents are suing several financial institutions for allegedly providing inaccurate information to credit reporting agencies regarding the status of a loan.

Steven F. Gardner and Tammy L. Gardner filed a complaint on Jan. 12 in the U.S. District Court for the Southern District of Illinois against First Clover Leaf Financial Corp., First Mid-Illinois Bancshares Inc. and First Mid-Illinois Bank & Trust NA, alleging they failed to comply with the provisions of the Fair Credit Reporting Act.

According to the complaint, the Gardners allege the defendants continued to inform credit reporting agencies that the plaintiffs were delinquent in payments despite a notice of dispute, reducing their credit score and causing them to suffer denied credit applications.

As a result, the plaintiffs allege they suffered out-of-pocket expenses, loss of business transactions and opportunities, diminished market value of their home and fear of losing their home.

The plaintiffs request a trial by jury and seek an award for all damages, attorneys’ fees and such further relief that the court deems just and proper.

They are represented by Thomas R. Ysursa of Becker, Hoerner, Thompson, & Hoerner PC in Belleville.

U.S. District Court for the Southern District of Illinois case number 3:17-cv-00035

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