This class action lawsuit claims that Verizon obtains credit reports through “hard” credit pulls, which result in significant harm including decreased credit scores for consumers and the disclosure of private information, despite instructions not to do so.
One plaintiff in this lawsuit, Eric Walraven, is a resident of Philadelphia, Pennsylvania. On September 19, 2016, he spoke with a Verizon representative over the telephone regarding availability of Verizon FiOS service. In this conversation, Walraven made clear that he was not interested in the Verizon FiOS service if a credit inquiry was required. The representative assured that Walraven that a credit report would not be obtained. Despite the representation, Verizon proceeded to obtain a credit report on Walraven, resulting in a “hard” credit pull. This “hard” pull decreased Walraven’s credit score.
The Fair Credit Reporting Act (FCRA) was designed to promote the fairness, accuracy, and privacy of consumer information contained in the files of consumer reporting agencies. By obtaining credit reports through “hard” pulls, Verizon clearly violated the FCRA. Verizon also violated the FCRA with the following actions:
Based on the Facts of the case, the plaintiffs in this lawsuit allege that Verizon violated the Fair Credit Reporting Act.