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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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TD Bank Credit Card Inaccurate Reporting of Credit Info Class Action

Credit reports used to be used only for things like applications for credit cards and mortgages. With more and more entities, such as employers and landlords, insisting on reviewing credit reports before hiring job applicants or giving people leases, it’s increasingly important that companies report accurate information on accounts. The complaint for this class action  Read more

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CrimShield Background Report Requirements FCRA Class Action

CrimShield, Inc. provides background reports to help companies screen prospective employees. At times, it does more than that, reviewing the reports itself and determining whether the subject of report should be hired. The complaint for this class action alleges that CrimShield does not complaint with the Fair Credit Reporting Act (FCRA) in how it obtains  Read more

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Comcast Hard Credit Pull for Simple Inquiry FCRA Class Action

The Fair Credit Reporting Act (FCRA) specifies the reasons parties may obtain consumer credit reports on others. The list of valid reasons is limited. The complaint for this class action alleges that Comcast Cable Communications, LLC has violated the FCRA by doing hard credit pulls on consumers when they so much as inquire about the  Read more

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Instant Checkmate, Truthfinders Report on Expunged or Sealed Records Class Action

Consumer reporting companies can’t print everything they uncover in their consumer reports. For example, the law prohibits them from publishing expunged or sealed criminal records. But the complaint for this class action alleges that consumer reporting agency the Control Group Media Company and its subsidiaries Instant Checkmate and Truthfinders go ahead and publish these this  Read more

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One Nevada Credit Union Account Review Inquiries FCRA Settlement

One Nevada Credit Union is paying $600,000 to settle a class action alleging it violated the Fair Credit Reporting Act (FCRA). The complaint alleged that One Nevada made improper requests for customers’ consumer reports.  Read more

Umpqua Bank Background Check FCRA Settlement

Umpqua Bank is setting aside $325,000 to settle a class action. The complaint alleged that when the bank obtained background and credit checks, it did not comply with all the provisions of the Fair Credit Reporting Act.   Read more

PayPal Credit/Comenity Capital Bank Hard Credit Pulls FCRA Class Action

The Fair Credit Reporting Act (FCRA) prohibits anyone from getting a consumer credit report unless they have one of the permissible purposes outlined in the law. But Comenity Capital Bank, the entity behind PayPal Credit, made two hard credit pulls via Equifax on information about plaintiff Kevin Teichen, the complaint for this class action alleges.  Read more

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Target Reporting of Debt Discharged in Bankruptcy California Class Action

Consumer reports play an ever-larger role in American life. They are now ordered not just by credit card companies or mortgage lenders but prospective employers and landlords. The complaint for this class action claims that Target corporation did not properly report an individual’s discharged debt, causing an invalid debt to appear on his credit report.  Read more

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