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Credit Reports

Front of Capiral One Branch On City Street

When consumer debts are discharged in a Chapter 7 bankruptcy, companies that furnish credit information to credit reporting companies must update the information they provide to show that the debts were discharged. This settlement resolves a class action alleging that Capital One did not do this when the debts were discharged in bankruptcy after they were sold.

Experian Building

Experian is settling a class action alleging that it reported incorrect public records information on consumer credit reports. The complaint alleged that the information was wrong or belonged to other people, regarding such things as tax liens, civil judgments, and bankruptcies.

Bank of America Sign Against Blue Sky

With more and more parties insisting on obtaining credit reports, not just for prospective borrowers but also for prospective tenants and employees, it’s clear that credit reports must be accurate. The complaint for this class action alleges, however, that Bank of America, NA has reported “erroneous negative and derogatory information” on customers to credit reporting agencies. It brings suit under the California Consumer Credit Reporting Agencies Act (CCCRAA).

Dignity Logo

The complaint for this class action argues that Dignity Health has committed violations of federal and state laws: the Fair Credit Reporting Act (FCRA), California’s Investigative Consumer Reporting Agencies Act (ICRAA), and its Consumer Credit Reporting Agencies Act (CCRAA). All involve disclosures relating to Dignity’s obtaining of consumer reports on prospective employees.

Smith Volkswagen with Car in Front

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 an agreement to buy one. 

Hands Taking Credit Report Out of Envelope with Mailbox Behind

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 Reporting Act (FCRA).

Synchrony Bank Logo

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 on consumers when it has no permitted reason to do so.

Wells Fargo Logo

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 plaintiff Wylie S. Rogers.

TD Bank Logo

Credit reports used to be used only for things like applications for credit cards and mortgages. With more and more entities, such as employers and landlords, insisting on reviewing credit reports before hiring job applicants or giving people leases, it’s increasingly important that companies report accurate information on accounts. The complaint for this class action alleges that TD Bank provided inaccurate information about a credit account.

CrimShield Logo

CrimShield, Inc. provides background reports to help companies screen prospective employees. At times, it does more than that, reviewing the reports itself and determining whether the subject of report should be hired. The complaint for this class action alleges that CrimShield does not complaint with the Fair Credit Reporting Act (FCRA) in how it obtains or uses the reports. The three classes defined for the action include a Certification Class, an Adverse Action Class, and a § 1681k Class. 

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