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guys welcome to this video were going to talk about a very recent case actually came out yesterday april the 9th from the second circuit court of appeals this is a fair credit reporting act case and it has to do with public records and i really want you to see this because it has a lot of application to something that i get asked probably once or twice a week which is hey i have a bankruptcy i froze my lexus nexus account but equifax experience ranging whoever they say they are verifying the bankruptcy either with lexisnexis or with the bankruptcy court can i sue them for that and my question is always is the information about the bankruptcy correct or incorrect and they go no no that doesnt matter theyre theyre lying to me about how theyre confirming it or i i froze it with lexus nexus so it doesnt matter whether its right or wrong and i say well actually it does so i want you to see this case and this is jacob shimon i guess thats how you say it against equifax this will be a