FCRA

Bank of America Credit Account Review FCRA Violation Settlement

Bank of America has settled a class action alleging that it violated the Fair Credit Reporting Act (FCRA) by accessing customer credit reports to conduct Account Review Inquiries after their relationships with the company had ended.   Read more

Postmates Courier Applications FCRA Settlement

This settlement resolves a class action alleging that Postmates, Inc. violated the Fair Credit Reporting Act (FCRA) when it made background checks of individuals who signed up to be couriers using Postmates’ platform, but did not provide them with the disclosures and notices that the law requires. The complaint alleges that Postmates obtained the reports  Read more

Wal-Mart Prospective Employee FCRA Background Check Violations Class Action

The complaint for this class action alleges that Wal-Mart Stores, Inc. did not follow proper procedures in obtaining and using crediting reports on employees, former employees, and prospective employees, thus violating the Fair Credit Reporting Act (FCRA) as well as California laws. The complaint alleges that Pitre worked for Wal-Mart in California as an hourly,  Read more

Discover Financial Services FCRA Impermissible Request for Credit Report Class Action

The complaint for this class action alleges that Discover Financial Services requested plaintiff Daniel McHugh’s credit report from Experian on several occasions, even though McHugh no longer had an account with the company. Among other things, the FCRA specifies the purposes for which a consumer report may be provided to a third party. A recent  Read more

Ditech Inaccurate Mortgage Payment Reporting RESPA/FCRA Class Action

Mortgages are the largest items in most people’s credit portfolios, and errors in mortgage servicing can have major impacts on mortgage holders’ lives. In this class action, plaintiff Eugenia Rapp alleges that mortgage servicer Ditech did not use adequate dispute-reporting processes, so that it violated both the Real Estate Settlement Procedures Act (RESPA) and the  Read more

Raymond James Financial Adverse Information FCRA Class Action

This class action alleges that Raymond James Financial, Inc. violated the Fair Credit Reporting Act (FCRA) by not giving plaintiff Dustin Kampert a copy of his background report and allowing him time to correct problems in it before the company made an employment decision.  Read more

Credit Reporting Agencies Bankruptcy Discharge Settlement

This settles a consolidated class action alleging that the major credit reporting agencies—Equifax, Experian, and TransUnion—violated the Fair Credit Reporting Act (FCRA) as well as state laws when reporting debts discharged in bankruptcy. The complaint claimed that the agencies did not put in place reasonable procedures to ensure accuracy when reporting debts that had been  Read more