FCRA

Wells Fargo Consumer Reports FCRA Settlement

Wells Fargo is paying $3.8 million to settle a class action alleging it obtained consumer reports for employment purposes without making the disclosures or meeting other requirements of the Fair Credit Reporting Act (FCRA).  Read more

Ally Financial Credit Check for Closed Account FCRA Class Action

The complaint for this class action says in its introduction, “There is a need to [e]nsure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer’s right to privacy.” This is what Congress intended to provide with the Fair Credit Reporting Act (FCRA). However, it alleges, Ally Financial,  Read more

Verizon Obtain Credit Reports with No Permissible Purpose Class Action

Consumer credit and background reports are being used more and more often these days, not only when consumers apply for credit, but also when they apply for a job or apply to rent an apartment. However, companies must have a valid reason to request such reports. The complaint for this class action alleges that Verizon  Read more

Wells Fargo Incorrect Reporting of Paid-Off Debt Class Action

Because consumer credit reports are increasingly important these days, it is also important that company reports about outstanding loans be accurate. The complaint for this class action alleges Wells Fargo, NA continued to report a debt that had been paid off, despite the consumer’s attempts to get the debt removed from her credit report.  Read more

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

Synergy One Lending Consumer Report Authorization FCRA Class Action

Companies may request consumer reports on employees or prospective employees, but only according to the Fair Credit Reporting Act (FCRA), which has requirements for authorization and use of such reports. The complaint for this class action alleges that Synergy One Lending, Inc. violated the FCRA and California state laws in the document it used to  Read more

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

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

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

Home Depot Disclosure for Applicant Consumer Report FCRA Class Action

Did Home Depot USA, Inc. violate the Fair Credit Reporting Act (FCRA) in its dealings with prospective employees? The complaint for this class action says it did in that it did not have a form that met the requirements of the law to inform prospective employees that it would be conducting a background check on  Read more