Consumer Justice Law Firm Secures Nearly $3 Million FCRA Verdict for Consumer Harmed by Inaccurate Reporting

The federal award signals a major shift in consumer protection, penalizing willful Fair Credit Reporting Act violations that cause devastating financial harm.

PHOENIX, AZ, UNITED STATES, September 4, 2026 /EINPresswire.com/ -- In a decisive blow against systemic banking errors, a federal jury has issued a $2,865,000 verdict against Horizon Bank, marking one of the most significant consumer rights victories in recent years. The verdict focuses on the bank’s failure to maintain reporting integrity, highlighting the severe consequences for institutions that ignore consumers' financial security.

The jury found Horizon Bank acted with willful disregard for the Fair Credit Reporting Act (FCRA). By continuously verifying and reporting a debt that a state court had already declared invalid, the bank demonstrated a pattern of negligence that the court found worthy of significant punitive and compensatory measures.

This multi-million dollar verdict addresses the bank's refusal to acknowledge legal rulings confirming that Fabian Huizar owed nothing following an improper vehicle repossession in 2018. Despite clear legal boundaries, the bank persisted in reporting the non-existent debt to credit bureaus, directly attacking the consumer's creditworthiness and financial future.

"This isn't just about one individual, it's a warning that financial institutions cannot ignore their obligations to the law or the impact of their errors on people's lives," said Duran Keller, counsel for Huizar. "This $2.86 million verdict is a starting point."

Attorney Keller is a partner at Consumer Justice Law Firm. However, he represented Huizar as his personal client, having begun litigation on this matter years prior to joining the firm.

About Consumer Justice Law Firm

Founded by attorneys David Chami and Daniel Cohen, Consumer Justice Law Firm is a nationwide consumer protection law firm boasting a roster of experienced and talented legal professionals committed to fighting for fair treatment of consumers and accountability for corporations.

For more information, visit the website here: https://consumerjustice.com/.

David Chami
Consumer Justice Law Firm
+1 480-626-2359
dchami@consumerjustice.com