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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

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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

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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

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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

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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

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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

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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

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Capital One Unauthorized Credit Report Class Action

Unauthorized credit “pulls”—the obtaining of credit information on consumers without their consent—are an invasion of privacy, and they can also lower the persons’ credit ratings. The complaint for this class action alleges that Capital One, NA obtain credit reports on individuals without their permission and without a permissible purpose, in violation of the Fair Credit  Read more

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Synchrony Bank Request for Credit Reports with No Permissible Purpose Class Action

The Fair Credit Reporting Act (FCRA) governs consumer credit reporting in a number of ways. One of its provisions is that no third party may get a report on a particular consumer without a valid purpose. However, the complaint for this class action alleges that Synchrony Bank performs a “hard pull” to obtain credit reports  Read more

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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

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