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CBE Group No Permissible Purpose for Obtaining Credit Report Class Action

People cannot just randomly decide to view another person’s credit report. The Fair Credit Reporting Act (FCRA) requires that parties who request credit reports on others have a permissible reason for doing so. The complaint for this class action alleges that the CBE Group, Inc., a debt collection firm, requested a credit report on a consumer but did not have one of the reasons allowed under the law.

The class for this action is all persons in the US (1) whose credit reports were obtained by CBE, (2) from Exquifax, Experian, or Trans Union, (3) between December 31, 2015 and the date the class is certified in this case, (4) who did not have unpaid debts that CBE was attempting to collect, and (5) where CBE did not have a permissible purpose among those listed in the FCRA to access those persons’ credit reports.

Plaintiff Radley J. Bradford obtained a copy of his own Trans Union credit report on December 10, 2020.

On the credit report was an entry that showed that CBE had obtained a copy of the report on September 17, 2020. Concerned about this unauthorized access, Bradford call CBE to try to find out why the company had requested his information.

CBE’s automated system asked him to give his Social Security number, and Bradford did so. The system then said that it could not find an account associated with that Social Security number. Bradford wanted to speak to a live person, but the office was closed at the time.

On December 21, 2020, he called CBE again. This time he spoke to a representative identified as Savannah. Savannah could not find an account under Bradford’s name and date of birth.

Bradford next called Trans Union and spoke to a representative identified as Mary. The complaint claims Mary told him “that it appears that [CBE] did not have a permissible purpose to access his Trans Union report.”

Bradford then tried to have the entry removed from his credit report. According to the complaint, “Mary advised [Bradford] that Trans Union will not allow [him] to dispute such an inquiry and that his grievance should be addressed with [CBE].” Bradford asked if such an access is permitted under the law. The complaint claims that Mary said it was “unlawful” and gave him the number of the Federal Trade Commission (FTC).

The complaint notes that CBE was not trying to collect a debt owed by Bradford. It says that Bradford had never authorized CBE to access his credit report. The complaint alleges the CBE “accessed [Bradford’s] highly private credit information under false pretenses and without [Bradford’s knowledge or authorization.”

Article Type: Lawsuit
Topic: Consumer

Most Recent Case Event

CBE Group No Permissible Purpose for Obtaining Credit Report Complaint

December 31, 2020

People cannot just randomly decide to view another person’s credit report. The Fair Credit Reporting Act (FCRA) requires that parties who request credit reports on others have a permissible reason for doing so. The complaint for this class action alleges that the CBE Group, Inc., a debt collection firm, requested a credit report on a consumer but did not have one of the reasons allowed under the law.

CBE Group No Permissible Purpose for Obtaining Credit Report Complaint

Case Event History

CBE Group No Permissible Purpose for Obtaining Credit Report Complaint

December 31, 2020

People cannot just randomly decide to view another person’s credit report. The Fair Credit Reporting Act (FCRA) requires that parties who request credit reports on others have a permissible reason for doing so. The complaint for this class action alleges that the CBE Group, Inc., a debt collection firm, requested a credit report on a consumer but did not have one of the reasons allowed under the law.

CBE Group No Permissible Purpose for Obtaining Credit Report Complaint
Tags: FCRA, No permissible purpose for request for report, Your Privacy