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Business Information Group Alleged to Provide Inaccurate Reports

This class action alleges that Business Information Group violated the Fair Credit Reporting Act (FCRA) by providing inaccurate reports to prospective employers and other third parties, and by not providing the required notice to the subject of the reports, allowing him to correct the inaccuracies.

The class for this lawsuit includes all persons in the US and its territories:

  • Who were the subject of a Business Information Group consumer report to a third party; 
  • That was furnished for employment purposes;
  • That contained at least one record of a criminal conviction or arrest, civil lien, bankruptcy, or civil judgment;
  • On or after December 15, 2010; and
  • To whom Business Information Group did not send proper notice of the report.

The FCRA imposes several important requirements on consumer reporting agencies in order to protect the subjects of those reports. Among other things, they are required to follow reasonable procedures to ensure that the reports are accurate. They are also required to send to the person who is the subject of the report notice that the report has been provided, together with details necessary to contact the agency to obtain the report and correct any inaccurate information in it.

The complaint alleges that because of false and derogatory information in the report Business Information provided, the plaintiff in this case, Michael Kelly, was not hired for a job.

According to the complaint, Business Information does not perform its own research but is a reseller of information obtained from other databases and consumer reporting agencies. In this case, the complaint claims, the company obtained information from Trans Union, including the false information that Kelly had a court case filed against him for unpaid debts, which Kelly believes led the prospective employer to rule that he could not sell a particular insurance product. Unfortunately, the information about the court case was not about Mr. Kelly but about his son.

The complaint alleges that, as a reseller, Business Information does not follow any procedures to check the accuracy of the information it receives from other sources, such as Trans Union. It therefore claims that the company has no means to ensure the accuracy and currency of the information it puts into reports, as required by the FCRA.

In addition, the complaint says, Business Information failed to provide proper notice to Mr. Kelly that it had sent out the report, which might have allowed Mr. Kelly to take steps to correct the wrong information, which is a further violation of the FCRA. According to the complaint, the company routinely fails to provide this notice to the subjects of its reports because it is more profitable to continue to provide false information than to take steps to verify and correct it.

Article Type: Lawsuit
Topic: Consumer

Most Recent Case Event

Business Information Group Alleged to Provide Inaccurate Reports Complaint

December 15, 2015

The complaint for this class action alleges that Business Information Group violated the Fair Credit Reporting Act (FCRA)by providing inaccurate reports to prospective employers and other third parties, and by not providing the required notice to the subject of the reports, allowing him to correct the inaccuracies.

business_information_fcra_complaint.pdf

Case Event History

Business Information Group Alleged to Provide Inaccurate Reports Complaint

December 15, 2015

The complaint for this class action alleges that Business Information Group violated the Fair Credit Reporting Act (FCRA)by providing inaccurate reports to prospective employers and other third parties, and by not providing the required notice to the subject of the reports, allowing him to correct the inaccuracies.

business_information_fcra_complaint.pdf
Tags: Credit Reports, Employment Violations, Unfair Services, Unlawful Background Checks