PHILADELPHIA – A Philadelphia consumer alleges a Philadelphia business unlawfully accessed his credit file.

Jamar Rowley filed a complaint on Nov. 10 in the U.S. District Court for the Eastern District of Pennsylvania against Trans Union LLC and Colonial Financial Services Inc., doing business as Hallmark Remodelers, alleging violation of the Fair Credit Reporting Act.

According to the complaint, the plaintiff alleges that in April, Colonial Financial Services Inc. accessed his Trans Union credit file without his consent or knowledge. The suit states that Colonial has access to Trans Union consumer reports for certain permissible and lawful purposes and "falsely certified that it was inquiring for extension of credit or an account review" for the plaintiff.

The plaintiff holds Trans Union LLC and Colonial Financial Services Inc. responsible because Colonial Financial Services Inc. allegedly used false pretenses to access plaintiff's credit report without legitimate business reasons and that Trans Union allegedly failed to comply with requirements imposed on a consumer reporting agency.

The plaintiff requests a trial by jury and seeks actual damages, statutory damages, punitive damages, court costs and any further relief the court grants. He is represented by Mark D. Mailman and Alexis I. Lehmann of Francis & Mailman PC in Philadelphia.

U.S. District Court for the Eastern District of Pennsylvania case number 2:17-cv-05062

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