Law Offices of Zakheim & LaVrar, P.A. Debt Collection Complaint

Law Offices of Zakheim & LaVrar, P.A. Debt collection department,

Credit card Cont'd attempts collect debt not owed Debt was paid Florida

Zakheim was collecting a debt for - - but it was settled years ago. They pulled my credit report without permission, and long after settlement. They told me on the phone that I have no other account with them. IT IS ILLEGAL FOR ZAKHEIM TO HAVE PULLED MY CREDIT REPORT WITHOUT PERMISSION ON -/-/-. 6. Defendant Zakheim & Lavrar, P.A. ( Defendant '' ) is an entity duly licensed toconduct business in the state of Florida. 7. Upon information and good-faith belief, Defendant 's principal place of businessis located at -, FL -. 8. Defendant uses a means or facility of interstate commerce for the purpose offurnishing information to consumer reporting agencies. 9. Defendant is a


). 11. To further purpose of protecting consumer privacy, the FCRA requires thatconsumer reporting agencies ( CRA '' ) may only furnish a report regarding a consumer to aperson who has a permissible purpose '' to use that consumer 's report. See 15 U.S.C. 1681b ( a ) - ( b ). 12. A permissible purpose exists where a person intends to use the information inconnection with a credit transaction involving the consumer on whom the information is to befurnished and involving the extension of credit to ... the consumer. '' 15 U.S.C. 1681b ( a ) ( 3 ) ( A ). 13. Obtaining a consumer report is colloquially known as pulling '' a consumer'scredit report. 14. In contrast to a soft '' pull of an individual 's consumer report, which does notaffect the consumer 's credit score, a 'hard pull ' involves accessing a credit report for thepurpose of issuing new credit or increasing the amount of existing credit. These inquiries can be-seen by potential creditors and can impact a consumer 's credit score. '' -, - -, - - - - ( - -. - ) reconsideration denied, -, - - - ( - -. - ). 15. Thus, limiting access to consumer reports and prohibiting persons from obtainingconsumer reports without a permissible purpose not only promotes consumer privacy, but it alsopromotes congressional intent of promoting a fair credit reporting system, as it gives consumersa greater ability to manage their credit scores. FACTUAL ALLEGATIONS16. In an effort to collect an alleged debt, Defendant filed a state court action againstPlaintiff on - -, -. 17. On - -, -, Plaintiff called Defendant and agreed to settle the debt over aperiod of six months. 18. The account was settled in full on - -, -. 19. On - -, -, Defendant filed a notice of voluntary dismissal withprejudice in the state court action. 20. On - -, -, Defendant requested and obtained a copy of Plaintiff'sExperian consumer report. 21. Plaintiff did not provide Defendant with permission to access his consumer report. 22. Upon information and belief, Defendant knowingly and intentionally obtainedPlaintiff 's consumer report. 23. Upon information and belief, Defendant knowingly and willfully obtained aconsumer report for Plaintiff without a permissible basis. -COUNT I15 U.S.C. 1681b ( f ) ( 1 ) 24. Plaintiff repeats and re-alleges each and every allegation contained in paragraphs- through - and - through -. 25. Defendant violated 15 U.S.C. 1681b ( f ) ( 1 ) by using or obtaining a consumerreport for any purpose unless the consumer report is obtained for a purpose for which theconsumer report is authorized to be furnished..