November 23, 2012

Denton County man sues Capital One for violating Fair Credit Reporting Act

SHERMAN – A Denton County resident has filed a lawsuit claiming that Capital One refused to honor an agreement to reduce his credit card debt and continued to report the debt on his credit report in violation of federal law.

Peyton Inge filed suit against CSC Credit Services Inc. and Capital One (USA) Bank N.A. on Nov. 14 in the Eastern District of Texas, Sherman Division.

The plaintiff allegedly received written communication from Global Credit & Collection Corp. dated Feb. 7, 2011, in an attempt to collect a debt arising from Inge’s Capital One credit card. Inge contacted the Global representative and agreed to a payment plan.

However, before the final payment was completed Global indicated that it was “no longer servicing” the Capital One Account.

According to the lawsuit, Capital One continued to withdraw the preauthorized drafts. Inge states that after the final payment was withdrawn, Capital One sent Inge a letter stating that she still owed $8,219.

Capital One allegedly reported to the credit bureaus that Inge owed the debt. Inge attempted to dispute the debt, but was unsuccessful.

The defendants are accused of violating the Fair Credit Reporting Act by failing to properly investigate the dispute of the reporting of inaccurate information, failing to correct inaccurate information on Inge’s credit file, failing to establish or follow reasonable procedures to assure maximum possible accuracy in the preparation of the credit report and credit files it published and maintained concerning Inge.

The plaintiff is seeking an award of statutory, actual, and punitive damages, attorneys’ fees, and court costs.

Inge is represented by Martha Beard-Duncan of Weisberg & Meyers in Dallas. A jury trial is requested.

U.S. District Judge Ron Clark is assigned to the case.

Case No. 4:12-cv-00717


The above statements do not represent those of Weston Legal or Michael Weston and they have not been reviewed for accuracy. The statements have been published by a third party and are being linked to by our website only because they contain information relating to debt. Nothing in this article should be construed as legal advice given by Weston Legal or Michael Weston. To view the source of the article, please following the link to the website that published the article. Articles written by Michael W. Weston can be viewed here: To report any problem with this article please email



5001 Bissonnet,
Suite 200
Bellaire, Texas 77401

Phone 713.623.4242
Fax 866-579-6411
Principal Office
Email Email
9901 I.H. 10 West
Suite 800
San Antonio, Texas 78230

Phone 210.787.3539
Fax 866-579-6411
by appointment only
Email Email
106 E. Sixth Street
Suite 900
Austin, Texas 78701

Phone 512.782.4377
Fax 866-579-6411
by appointment only
Email Email
320 Decker Drive ,
Suite 100
Dallas, Texas 75062

Phone 214.329.9837
Fax 866-579-6411
by appointment only
Email Email






2202 N West Shore Blvd,
Ste 200
Tampa, FL 33607

Phone 813.227.4965
Fax 866-579-6411
by appointment only
Email Email
841 Prudential Drive,
12th Floor
Jacksonville, FL 32207

Phone 904.380.6922
Fax 866-579-6411
by appointment only
Email Email
618 East South Street
Ste 500
Orlando, FL 32801

Phone 407.241.2380
by appointment only
Email Email
1111 Brickell Avenue
Miami, FL

Phone 305.913.3725
Fax 866-579-6411
by appointment only
Email Email




2375 East Camelback Road
Suite 600
Phoenix, Arizona 85016

Phone 602.308.0300
Fax 866-579-6411
by appointment only
Email Email