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Hi All, Just wanted to post this for any of those who might have disputed an Advanta Credit Card account with Experian. I had this exact problem with Experian. Just received a notice in the mail that Experian is being sued for identifying Advanta as the provider of information on Advanta Bank Card accounts. Advanta Bank was taken over by the FDIC, and its portfolio of credit card accounts were sold to Cardworks Services. In typical Experian fashion they continued to verify that Advanta Bank was verifying the account data, even after they were taken over and closed down by the FDIC. It was actually this company Cardworks Services, that was verifying the data. Luckily Michael Dreher has brought a class action against Experian. If you think you are eligible you should join the class. Website is www.advanta-experian.com you can email them at AdvantaExperian@clalegal.com. Or PM me I can email you a copy of the letter. I know people are going to say your only going to get a couple dollars, and that is fine. Hopefully Experian gets hit big time, and realizes it is cheaper to follow the law than pay these fines. Good Luck! Tommy

MIDLAND NATIONAL CLASS ACTION SETTLEMENT THROWN OUT - NEW SETTLEMENT IN WORKS. I had posted this at the end of the old Midland thread, but it get buried. Brent v midland funding FDCPA case was combined with others in a nationwide class action called Vasalle v Midland back in 2010 a settlement was reached in 2011 , over 38 state Attorney generals' and the FTC's objections ( boith filed amicus briefs opposing the settlement terms) And finally the settlement was object to by a number of individuals, and was appealed to the 6th Circuit Federal court of Appeals. The settlement was thrown out by the appeals court and remanded back to the Northern district court of Ohio for a new settlement full text at link; http://scholar.googl...126&as_ylo=2012 highlights; Eight objectors-appellants objected to the settlement, arguing that the settlement was unfair, unreasonable, and inadequate, that the district court abused its discretion in certifying the nationwide settlement class, and that the notice to prospective class members did not satisfy due process. For the following reasons, we REVERSE the district court's order approving the settlement, VACATE the judgment certifying the nationwide settlement class and the award of attorney fees, and REMAND for further proceedings consistent with this opinion. _____ Despite the wide discretion we must afford the district court in applying these factors, this disparity in relief is so great that we conclude the district court abused its discretion in finding that the settlement was fair, reasonable, and adequate. First, the named plaintiffs receive the primary benefit of the settlement: the exoneration of debts owed to Midland. If the 1.44 million unnamed class members received this benefit, like Brent, they would be absolved of debts in the hundreds or even thousands of dollars. Instead, the settlement actually prevents the unnamed class members from using Midland's use of false affidavits against Midland in any other lawsuit, virtually assuring that Midland will be able to collect on these debts. Finally, the relief actually provided to the unnamed class members is perfunctory at best. First, provided they respond to the notice, the unnamed class members receive $17.38. Second, the settlement provides for one year of injunctive relief, overseen by a retired federal judge, under which Midland is required to change its policies. The $17.38 payment can only be described as de minimis, especially in comparison to the now-forgiven debt of $4,516.57 owed by Brent. We can safely assume that many of the 1.44 million class members' debts are in the thousands or at least hundreds of dollars. The one-year injunction is likewise of little value for three reasons. First, it does not actually prohibit Midland from creating false affidavits; rather, it only requires Midland to change its policies and provides oversight of this process. Second, the injunction only lasts one year, after which Midland is free to resume its predatory practices should it choose to do so. Third, the injunction offers only prospective relief that likely does not benefit class members at all. For the foregoing reasons, the settlement was unfair to the unnamed class members, and the district court therefore abused its discretion in approving the settlement as "fair, reasonable, and adequate." Appellants cite several alleged deficiencies in class notice, one of which is dispositive. Namely, the notice does not explain the fact that the release of claims impairs the class members' ability to vacate the allegedly fraudulent judgments Midland obtained against them in state court lawsuits. Rather, the notice only states that by not objecting, the class members give Midland a "release." The notice states that "[a] release means you can't sue or be part of any other lawsuit against [Midland] about the claims or issues in this lawsuit, or any other claims arising out of affidavits attached or executed in support of collection complaints filed against Class Members by [Midland]." This language is insufficient to notify a non-attorney class member that by not objecting, he or she loses the right to use Midland's false affidavits against Midland in their debt-collection actions. The failure of the notice to mention this fact is not just "any ground" on which a class member might object; rather, it is the principal ground. The unnamed class members' greatest interest is their ability to contest these allegedly fraudulent judgments. For this reason, the class notice does not "`fairly apprise . . . prospective members of the class of the terms of the proposed settlement.'" UAW, 497 F.3d at 630 (quoting Grunin, 513 F.2d at 122). Accordingly, we find the district court erred in finding that the notice to the class satisfied due process. I'm so lost w/o my cards without all those magnetic strips, my purse doesn't point north anymore...