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UNITEDSTATESDISTRICTCOURTMIDDLEDISTRJCTOFFLORIDACIVILNO.
3 , , ( f ; ~ - 6 V ~ / { j ) ( ) : : C S - J - ' J i t M · \ , · _ Y : : : · h i O ; q i ' 6 ; ;
FEDERALTRADECOMMISSION,NATIONWIDECREDITSERVICES,
INC,
aFloridacorporation;JAMES
R.
DOOLEY,individually
and
aspresidentofNationwideCreditServices,
In
:.,COMPLAINT
FOR
INJTJNCTIVEANDOTHEREQUITABLE
RELIEF
DefendantsPlaintiff,
v.
and
))
)
)
)
))))))
)
)
)
)
)
--------------->
Plaintiff,theFederalTradeCommissio
n
("FTC"),
foritsComplaintalleges:1.The
FTC
bringsthisactionunderSections13(b)and19
of
the
FederalTradeCommissionAct
("FTC
Act"),15U.S.C.
§§
5\(b)and5Th,andunderSection41O(b)
of
theCreditRepairOrganizationsAct,15U.S.c.
§
1679h(b),
toobtaintemporary,preliminary,andpermanentinjunctiverelief,rescissionofcontractsandrestitution,disgorgement
of
ill-gottengains,andotherequitablereliefagainst.)efendantsNationwideCreditServices,Inc.andJamesR.Dooleyforengagingindeceptiveactsorpracticesinconnectionwiththeadvertising,marketing,promotion,offeringforsale,orsaleofcreditrepairservicesinviolation
of
Section5(a)oftheFTCAct,15U.).C.
§
45(a),andtheCreditRepair
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OrganizationsAct,15U.s.C.
§§
l679·l679j
.
.lURISDlCTIC
iN
ANDVENUE
2.ThisCourthasjurisdictionoverthismatterpursuantto15U.S.C.
§§
45(a)and53(b),and
28
U.S.C.
§§
1331,1337(a),and1:45.3.VenueintheUnitedStatesDis
rict
CourtfortheMiddleDistrict
of
Floridaisproperunder15U.S.C.
§
53(b)and28
U.S.c.
§
1391(b).
£LA1NTlFY
4.Plaintiff
FTC
isanindependen:agency
of
theUnitedStatesGovernmentcreatedbystatute.15
U.S.c.
§§
41·58.
The
F'I'Cischarged,
inter
alia,
withenforcingSection5(a)
of
theFTCAct,15U.S.C.
§
45(a
I,
whichprohibitsunfairordeceptiveactsorpracticesinoraffectingcommerce.
The
FTC
alsoischargedwithenforcingtheCreditRepairOrganizationsAct.15U.S.C.
§
1679h:a).5.The
FTC
isauthorizedto
initia
efederaldistrictcourtproceedings,byitsownattorneys,toenjoinviolations
of
the
FTC
Act
md
theCreditRepairOrganizationsActinordertosecuresuchequitablereliefasisappropriateineachcase,includingrestitutionforinjuredconsumers.15
U.S.c.
§§
53(b),57b,
and
1679h(b).
DEFENJ>ANTS
6.
DefendantNationwideCreditServices,Inc.("NCS")isaFloridacorporationwithitsprincipalplace
of
businessat8535·6ABaymeadowsRoad,Jacksonville,Florida32256.DefendantNCStransactsorhas
transaeted
businessinthisdistrictandthroughouttheUnitedStates.Page
2
of12
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7.DefendantJames
R.
Dooley
("I
looley"),alsoknownasJamieDooley,isthepresidentofDefendantNCS.AtalltimesmaterialtothisComplaint,actingaloneorinconcertwithothers,DefendantDooleyhasfornnlated,directed,controlled,orparticipatedintheactsorpracticesofNCS,includingthe
acts.
andpracticessetforthinthisComplaintDefendantDooleytransactsorhastransactedbusinessinthisdistrictandthroughouttheUnitedStates.
COMllIERCE
8.Atalltimesmaterialtothis
COl
nplaint,Defendantshavemaintainedasubstantialcourseoftradeinoraffecting
corm
nerce,as"commerce"isdefinedinSection4oftheFTCAct,15U.S.C.
§
44.
DEFENDANTS'BUBINESS
AOIYITlES
9.SinceatleastMarch2004,andcontinuingthereafter,Defendantshaveadvertised,marketed,promoted,offeredfor
sae,
andsoldcreditrepairservicestoconsumersinFloridaandthroughouttheUnitedStates.
J:
efendantshaveadvertisedandcontinuetoadvertisetheirservicesthroughanInternetwebsitelocatedatwww.ehappyhour.c,m.\,inlocalandonlineYellowPageslistings,and
by
othermeans.lO.Throughverbalrepresentationsmadebytheirrepresentatives,writtenstatementsonthewebsitewww.ehapovhour.cC!1handinotheradvertisements,Defendantshaveofferedandcontinuetooffercreditrepairservicespurportingtoremoveaccuratederogatoryinformationfromconsumers'creditreports,andtoimproveconsumers'creditrecords,credithistories,andcreditratings,DeendantsclaimthattheycanpermanentlyPage3of12
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