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Credit Reports

Hand Focusing Camera Lens

Although your potential employer or landlord or creditor may obtain a credit report on you, in order to see if they’d like to do business with you, parties may only request consumer or credit reports if they have a valid reason to do so. The complaint for this class action alleges that Parrent Smith Investigations did not have a valid reason for obtaining information on the plaintiff in this case when they pulled his credit report.

One Nevada Sign and Logo

One Nevada Credit Union is paying $600,000 to settle a class action alleging it violated the Fair Credit Reporting Act (FCRA). The complaint alleged that One Nevada made improper requests for customers’ consumer reports.

Umpqua Bank Branch

Umpqua Bank is setting aside $325,000 to settle a class action. The complaint alleged that when the bank obtained background and credit checks, it did not comply with all the provisions of the Fair Credit Reporting Act. 

Comenity Capital Bank Logo

The Fair Credit Reporting Act (FCRA) prohibits anyone from getting a consumer credit report unless they have one of the permissible purposes outlined in the law. But Comenity Capital Bank, the entity behind PayPal Credit, made two hard credit pulls via Equifax on information about plaintiff Kevin Teichen, the complaint for this class action alleges.

Target Bullseye Logo

Consumer reports play an ever-larger role in American life. They are now ordered not just by credit card companies or mortgage lenders but prospective employers and landlords. The complaint for this class action claims that Target corporation did not properly report an individual’s discharged debt, causing an invalid debt to appear on his credit report.

TransUnion Logo

This settlement involves an alternative dispute resolution (ADR) program for consumers who feel they have been harmed by inaccurate information provided in a credit report about a civil judgment or tax lien.

TransUnion Logo

Because consumer reports are being used by more and more parties, including by landlords before renting an apartment, it’s important that credit reporting companies acquire accurate information. But the complaint for this class action alleges that TransUnion, LLC and TransUnion Resident Screening Solutions, Inc. (TURSS) do not do enough to ensure the accuracy and currency of information, resulting in unnecessarily negative reports to landlords. The complaint claims violations of the FCRA.

Equifax Logo

Plaintiff Christopher Carroll went through a Chapter 13 bankruptcy in November 2011, with an Order of Discharge entered in March 2017. According to the complaint for this civil action, however, the reporting submitted for his mortgage by Regions Bank, Inc. (Alabama) and published by Equifax Information Services, LLC still contains errors relating to the bankruptcy. Carroll disputed the entries and provided documentation, the complaint says, but the report still shows the errors, in violation of the Fair Credit Reporting Act (FCRA).

Nationstar Mortgage Logo

Strangers can’t simply go pull up your credit report; they have to be authorized and/or be doing it for one of a limited number of permissible purposes—so says the Fair Credit Reporting Act (FCRA). The complaint for this class action claims that Nationstar Mortgage pulled Plaintiff Jeffrey Helbling’s credit report without his knowledge or authorization, and without any permissible reason for doing so. Nationstar had solicited Helbling for a mortgage, but Helbling had decided he did not want to apply.

Employee Termination

This class action alleges violations of the Fair Credit Reporting Act (FCRA) by JD Palatine LLC and Healthcare Services Group, Inc. in connection with a consumer report. First, the complaint alleges, JD Palatine issued a report containing outdated adverse information. Second, it claims, Healthcare Services Group took adverse action without giving the subject sufficient and timely notification, a copy of the report, and a summary of rights under the FCRA, so that she was unable to correct the errors in the report.

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