COURT DENIES TRANS UNION’S MOTION TO STAY FCRA CLASS ACTION

Court Denies Trans Union Motion to Stay in FCRA Class Action Case Dennis v. Trans Union, LLC, Dist. Court, ED Pennsylvania (Jan. 12, 2016) Consumer reporting agency Trans Union filed a motion to stay, in an effort to postpone legal proceedings for violation of the Fair Credit Reporting Act (“FCRA”). The Court  denied Trans Union's motion because Trans [...]

Shaunfield v. Experian

SHAUNFIELD v. EXPERIAN INFORMATION SOLUTIONS, INC. (N.D. Texas, Dallas Division, Dec. 2013) John Shaunfield sued Experian, Radiology Associates of North Texas, American Honda Finance Corp., and Credit Systems International under the Fair Credit Reporting Act (FCRA) and various state law claims.  Shaunfield alleged Experian violated the FCRA when it provided companies with two different credit reports under his name. One of [...]

COURT HOLDS FAIR CREDIT REPORTING ACT (FCRA) PREEMPTS STATE STATUTORY & COMMON LAW CLAIMS

Grossman v. TRANS UNION, LLC - Dist. Court, ED Pennsylvania, 2014 In Grossman v. Trans Union, the court was faced with the issue of whether the consumer's state law claims against the furnisher were preempted by the Fair Credit Reporting Act ("FCRA").  In short, the court said yes, and dismissed the state law claims, including defamation, violation [...]

CONSUMER REPORTING AGENCY MUST GIVE CONSUMER REPORT

Have you been denied housing or employment because of a background report?  Federal law, the Fair Credit Reporting Act, prohibits consumer reporting agencies from prohibiting users (such as prospective landlords) from sharing the background report with the potential tenant if the background report was used in whole or in part to make the decision.  15 U.S.C. [...]

WHAT IS A SPECIALTY CONSUMER REPORTING AGENCY?

Most people have heard of a consumer reporting agency (CRA), but what is a specialty consumer reporting agency?  The Fair Credit Reporting Act (FCRA) defines a “consumer report” as any communication of information by a consumer reporting agency “bearing on a consumer’s credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode [...]

TENANT SCREENING REPORTS AND THE FCRA

Tenant Screening Reports and the FCRA Landlords run tenant screening reports when potential tenants apply for housing.  The cost of the tenant background reports is low, but background report errors can lead to high costs for tenants, including expensive deposits, or even worse - denied housing.  Most tenant screening reports include criminal records and rental history, including [...]

HOW DOES ID THEFT AFFECT SENIORS?

FTC To Host Workshop Examining the Effects of Identity Theft on Older Americans The Federal Trade Commission will host a one-day workshop on May 7, 2013, exploring how identity theft impacts older Americans. Seniors are particularly vulnerable to identity theft because they tend to have more assets and readily available cash than others. Identity thieves [...]

WHY SHOULD I REQUEST A FREE CREDIT REPORT?

Consumers often ask us why should I request a free credit report?  The answer is common sense - if you do not know what's on your credit report how can you dispute credit report errors? Need more information on how to get a free credit report?  Click here to learn how to order a free [...]

DOES YOUR LANDLORD REPORT YOUR PAYMENT HISTORY?

.tags { display: none; } Traditionally, the nationwide consumer reporting agencies have not reported rental payment history, but that is about to change.  Experian, a nationwide consumer reporting agency, has announced that it has added a reporting section to consumer reports for tenant history, including late-pays, bounced lease checks and early move-outs. Over 35% of [...]