Greg Henson sold his Chevrolet Camaro Z-28 to his brother, Jeff Henson. To purchase the car, Jeff secured a loan with Cosco Federal Credit Union (Cosco). Soon thereafter, the car was stolen and Jeff stopped making payments on his loan from Cosco.
At the time, Cosco was unsure whether Greg retained an interest in the car so Cosco sued both Jeff and Greg for possession of the car. The trial court rendered a default judgment against Jeff and ruled that Greg had no longer any interest in the car. The court further entered a deficiency judgment against Jeff in the amount of $4,076. However, the clerk erroneously noted in the judgment docket that the money judgment had been rendered against Greg as well as against Jeff.
However, the official record of judgments and orders correctly reflected that only Jeff was affected by the money judgment. Two credit agencies, CSC Credit Services (CSC) and Trans Union Corporation (Trans Union), relied on the state court judgment docket and indicated in Greg's credit report that he owed the money judgment. Greg and his wife, Mary Henson, allege that they then ‘‘contacted Trans [Union] twice, in writing, to correct this horrible injustice.''
When Trans Union did not respond, the Hensons brought an action alleging violations of the Federal Credit Reporting Act. Explain whether the Hensons should prevail.