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Monevo No Permissible Reason for Credit Report FCRA Class Action

The Fair Credit Reporting Act (FCRA) governs credit reporting and credit reports. A business or other party must have a “permissible” reason if they want to access the credit report of an individual. The complaint for this class action alleges that Monevo, Inc. pulled a credit report for the plaintiff in this case without his  Read more

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Equifax Debts Reported as “Unavailable” Class Action

This class action brings suit against Equifax Information Services, LLC, alleging that the company violated the Fair Credit Reporting Act (FCRA) by “knowingly, and/or willfully reporting inaccurate information” on consumer reports and by not having procedures to assure that the information is, as far as possible, accurate.  Read more

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First Advantage No Authorization to Do Background Check Settlement

First Advantage Background Services Corporation, which provides background checks to prospective employers, is settling a class action alleging that it provided such reports for Legacy Red Clients without getting certification that the subject had authorized the report and without getting a form signed by the subject. A Legacy Red Client is one acquired via the  Read more

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Gregory Funding Mortgages in CARES Act Forbearance Periods Class Action

During the Covid-19 pandemic, when so many people lost their incomes, or a significant part of them, Congress passed the Coronavirus Aid, Relief and Economic Security Act (CARES Act) to provide a number of different kinds of relief. Among the different provisions, one section allows homeowners who are subject to economic hardship to ask for  Read more

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American Express No Reason to Obtain Credit Reports FCRA Class Action

This class action brings suit against American Express for violations of the Fair Credit Reporting Act (FCRA). It alleges that Amex procures credit reports for people whose debts were discharged in bankruptcy, even though it is no longer entitled to obtain such reports. It also suggests that Amex tries to collect the debts that were  Read more

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Equifax Reporting of Outdated Debts FCRA Class Action

This class action sues Equifax Information Services, LLC for publishing “adverse, outdated, and inaccurate information related to illegal payday loans” in credit reports. It brings suit under the Fair Credit Reporting Act (FCRA), which is intended to prevent erroneous or inaccurate reporting. The complaint alleges that a company called Midwest Recovery “reported these unenforceable debts  Read more

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LoanCare Refusal of Requests and Erroneous Credit Reporting Class Action

When a mortgage loan is passed from one servicer to another, the transfer process may result in errors. In this case, for all of the plaintiffs, the new servicer was LoanCare, LLC. The complaint for this class action alleges that LoanCare erroneously considers them all to be in arrears, has refused to provide them with  Read more

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Credit Plus Inaccurate Information on Credit Reports FCRA Class Action

The Fair Credit Reporting Act (FCRA), says the complaint for this class action, requires that consumer reporting agencies “follow reasonable procedures to assure maximum possible accuracy of the information” in their reports. However, the complaint claims, Credit Plus, a reseller reporting agency, does not do this. It alleges that Credit Plus gets public records information  Read more

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UBS Background Report Disclosure and FCRA Rules Class Action

Congress passed the Fair Credit Reporting Act (FCRA) because it saw “a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer’s right to privacy.” The complaint for this class action alleges that UBS Financial Services, Inc. violated the law when it obtained a background  Read more

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LexisNexis, Geico Inaccurate Info on Consumer Reports Class Action

This class action brings suit against LexisNexis Risk Solutions, Inc., a consumer reporting agency, and Geico Advantage Insurance Company, that provides insurance to LexisNexis. The complaint alleges that the companies have violated the Fair Credit Reporting Act (FCRA) that tries to ensure that consumer credit reports contain “maximum possible accuracy of information” about the subject  Read more

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