No permissible purpose for request for report
US Bank Obtaining Credit Reports Without Permissible Purpose FCRA Settlement
US Bank, National Association is choosing to settle a class action alleging that it obtained consumer reports on individuals without having a permissible purpose, in violation of the Fair Credit Reporting Act (FCRA). Read more
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
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
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
CBE Group No Permissible Purpose for Obtaining Credit Report Class Action
People cannot just randomly decide to view another person’s credit report. The Fair Credit Reporting Act (FCRA) requires that parties who request credit reports on others have a permissible reason for doing so. The complaint for this class action alleges that the CBE Group, Inc., a debt collection firm, requested a credit report on a Read more
Capital One Repeated Credit Offers to Deceased Spouse FCRA Class Action
When a person’s spouse dies, does that person have the right to be left undisturbed by mail solicitations for credit cards for the deceased spouse? The complaint for this class action claims that the Fair Credit Reporting Act (FCRA), the Wisconsin statutory Right of Privacy, and common law all say yes. It brings suit against Read more
Comcast Request for Credit Report Without Permissible Reason Class Action
You can’t simply procure a credit report on anybody you’re curious about. Under the Fair Credit Reporting Act (FCRA), parties who want to obtain a report must have a proper reason in order to do so. But the complaint for this class action alleges that Comcast Corporation and Comcast Cable Communications, LLC requested or obtained 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 Obtains 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
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
