Experience & Court Qualifications
Qualified and accepted as an expert witness in federal and state courts across the United States — in over 150 matters involving credit reporting, FCRA, and financial damages.
Technical Expertise
Areas of Deep
Technical Knowledge
Credit Reporting Systems
Metro 2 format, E-Oscar dispute processing, tradeline reporting standards, credit bureau operations (Equifax, Experian, TransUnion)
FCRA Compliance
Fair Credit Reporting Act — accuracy obligations, dispute procedures, furnisher liability, permissible purpose, adverse action notices
Credit Scoring Models
FICO® scoring (Certified FICO® Professional), VantageScore, scoring model changes, trended data, score impact analysis
Mortgage Underwriting
Residential mortgage origination, Forms 1003 & 1008, credit-based underwriting, prime/sub-prime/private money markets, tax return analysis
Financial Damages Analysis
Credit Scoring Mortgage Analysis Model, lost lending opportunity quantification, interest rate differential damages, economic harm assessment
Divorce & Credit
Credit reporting in divorce proceedings, joint account liability, credit damage quantification, C.R.A.D.L.E. framework (Credit, Resolve, Assets, Dependents, Life, Estate)
Court Qualifications
Jurisdictions &
Court Experience
Federal Courts
U.S. District Court — Eastern District of California
U.S. District Court — Central District of California
U.S. District Court — Northern District of California
U.S. District Court — Southern District of California
U.S. District Court — Northern District of Texas
U.S. District Court — Northern District of Alabama
U.S. Bankruptcy Court — Western District of Washington
State Courts
CaliforniaWashingtonArizonaNew MexicoOklahomaLouisianaAlabamaOhioTexas
Case History
Selected Cases — Deposition & Trial Testimony
| Case | Type |
|---|---|
| Henrietta J. Monday v. Saxon Mortgage Services Inc. & Ocwen Loan Servicing | Deposition |
| Wells Fargo Bank v. Deborah L. White | Deposition & Trial |
| Robert J. Fernandez v. Nancy Valerie Nester | Trial |
| Gregory Kijong Hong v. Nancy Young Hong | Trial |
| Michael & Maria Taheny v. Wells Fargo, N.A. | Trial |
| Abe Poduska v. Valleywide Construction, Inc. | Deposition & Trial |
| Deutsche Bank National Trust v. Richard P. Garcia & Gloria Ann Garcia | Deposition |
| Juliana Jett v. Experian, Trans Union & American Home Mortgage | Deposition |
| Kamelbir Pooni v. Wells Fargo Home Mortgage | Deposition |
| Jianjun Fu et al. v. Wells Fargo Bank, N.A. | Deposition |
| Kenneth S. Dewar v. Erica Dewar | Deposition & Trial |
| Rindfleisch v. California Coast Credit Union | Deposition |
| Ronald Kirsh v. Andrew Todd Kirsh | Deposition |
| Wells Fargo v. Laura Filion | Deposition |
| Green Tree Servicing, LLC v. Karena Nichols | Deposition |
| Megan E. Zavieh v. JP Morgan Chase Bank, N.A. | Deposition |
| Nahid Noori v. Bank of America | Deposition |
| Patrick Kealy v. Ford Motor Credit Company, LLC | Deposition & Trial |
| Elizabeth Williams v. Wells Fargo Bank & Wells Fargo Home Mortgage | Deposition |
| Shane R. Pierce v. Irma M. Rodriguez | Testimony |
| Bonnie Miller & Brett Flaharty v. Ditech Financial LLC & Bank of America | Deposition |
| Wells Fargo Bank, N.A. v. Laura Filion | Deposition & Trial |
| Julia Dee Overbeck v. U.S. Bank Trust N.A. | Deposition |
| Phillippe R. Corjon & Joyce E. Corjon v. Ocwen Loan Servicing, LLC | Deposition |
| Robin L. Bailey & Marc H. Bailey | Telephonic Testimony |
| Bradford L. Bentley v. Wells Fargo Bank, NA | Deposition |
| Natalie Hosom & Brittany Park et al. v. Habitat for Humanity-Mid Ohio | Deposition & Video Trial Testimony |
| Lawrence Alan Layton v. Lisa Ann Rossi | Trial Testimony |
Partial list. Full case history available upon request.
Need a Qualified Expert Witness?
Contact Doug to discuss your case and confirm availability.