FCRA
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
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
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
Equifax Reporting of Outdated Debts FCRA Class Action
This class action sues Equifax Information Services, LLC for publishing “adverse, outdated, and inaccurate information related to illegal payday loans” in credit reports.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
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
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
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
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
Koons Lexus Pulls of Credit Reports Without Authorization Class Action
This class action brings suit against Toyota Motor Sales USA, Inc. in the form of Koons Lexus of Wilmington, in Delaware, under the Fair Credit Reporting Act (FCRA). The issue? The complaint claims that it pulled a credit report on a customer who told its personnel multiple times that she did not want them to Read more
Safeway, Vons Consumer Reports FCRA Settlement
This settlement resolves a class action against a number of supermarket defendants: Safeway, Inc., the Vons Companies, Inc. Vons Sherman Oaks, LLC, Safeway Southern California, Inc., and Safeway Leasing, Inc. The complaint alleged that the supermarket companies procured consumer reports on prospective employees without following the provisions of the Fair Credit Reporting Act (FCRA) and Read more