Experian, VW Credit Fraudulent Credit Account Reporting Class Action

Identity theft is becoming an ever-larger problem, with the increasing number of data breaches and their increasing size. The complaint for this class action alleges that Experian Information Solutions, Inc. failed to note on a consumer report that an account with VW Credit, Inc. was disputed, and that it thereby violated the Fair Credit Reporting  Read more

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TransUnion Reporting of CashCall, Western Sky Debts Settlement

TransUnion, LLC is putting aside $500,000 to resolve a class action brought under the Fair Credit Reporting Act (FCRA) concerning information it reported on consumers. The complaint alleged that TransUnion reported collection accounts for some consumers that had originated with loans from CashCall or Western Sky, even though the consumers lived in states whose laws  Read more

Capital One Bankruptcy Credit Reporting Settlement

When consumer debts are discharged in a Chapter 7 bankruptcy, companies that furnish credit information to credit reporting companies must update the information they provide to show that the debts were discharged. This settlement resolves a class action alleging that Capital One did not do this when the debts were discharged in bankruptcy after they  Read more

Experian Public Records Reporting Settlement

Experian is settling a class action alleging that it reported incorrect public records information on consumer credit reports. The complaint alleged that the information was wrong or belonged to other people, regarding such things as tax liens, civil judgments, and bankruptcies. The settlement provides for injunctive relief, that is, a change in Experian’s procedures, a  Read more

Bank of America Inaccurate Info on Credit Reports California Class Action

With more and more parties insisting on obtaining credit reports, not just for prospective borrowers but also for prospective tenants and employees, it’s clear that credit reports must be accurate. The complaint for this class action alleges, however, that Bank of America, NA has reported “erroneous negative and derogatory information” on customers to credit reporting  Read more

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Dignity Health Consumer Report Disclosures FCRA California Class Action

The complaint for this class action argues that Dignity Health has committed violations of federal and state laws: the Fair Credit Reporting Act (FCRA), California’s Investigative Consumer Reporting Agencies Act (ICRAA), and its Consumer Credit Reporting Agencies Act (CCRAA). All involve disclosures relating to Dignity’s obtaining of consumer reports on prospective employees.  Read more

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Smith Volkswagen Unauthorized Credit Inquiries FCRA Class Action

The Fair Credit Reporting Act (FCRA) regulates the obtaining and use of credit reports, among other things. This complaint alleges that Smith Volkwagen, Ltd. violated that law when it made as many as seven hard credit pulls on a consumer’s credit reports when she was simply looking around at vehicles and had not entered into  Read more

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Capital One Unauthorized Credit Report Class Action

Unauthorized credit “pulls”—the obtaining of credit information on consumers without their consent—are an invasion of privacy, and they can also lower the persons’ credit ratings. The complaint for this class action alleges that Capital One, NA obtain credit reports on individuals without their permission and without a permissible purpose, in violation of the Fair Credit  Read more

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Synchrony Bank Request for Credit Reports with No Permissible Purpose Class Action

The Fair Credit Reporting Act (FCRA) governs consumer credit reporting in a number of ways. One of its provisions is that no third party may get a report on a particular consumer without a valid purpose. However, the complaint for this class action alleges that Synchrony Bank performs a “hard pull” to obtain credit reports  Read more

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Wells Fargo No Permissible Reason for Credit Report FCRA Class Action

The Fair Credit Reporting Act (FCRA) limits other parties’ abilities to obtain credit reports on consumers. Businesses who wish to get consumer reports on people must have one of a limited valid number of reasons to do so. However, the complaint for this class action alleges that Wells Fargo improperly obtained a credit report on  Read more

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