Erroneous Information on Report
AppFolio, Inc. is settling a class action alleging that it violated the Fair Credit Reporting Act (FCRA). The complaint alleged that AppFolio (a) sold tenant screening reports that included information from public records that belonged to a different person, and (b) did not give consumers proper disclosures required by the FCRA when asked.
Plaintiff Carlos Ramirez was turned down for a job because a background report on him claimed that he had been convicted of a petit theft in 2013. Ramirez says he could not have committed the 2013 theft because he did not set foot in the US until 2015. The complaint for this class action alleges that First Advantage Background Services Corporation violated the Fair Credit Reporting Act (FCRA) when Ramirez tried to correct the record.
Consumer reporting companies can’t print everything they uncover in their consumer reports. For example, the law prohibits them from publishing expunged or sealed criminal records. But the complaint for this class action alleges that consumer reporting agency the Control Group Media Company and its subsidiaries Instant Checkmate and Truthfinders go ahead and publish these this information, sometimes in spite of court-ordered notices not to do so.
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.
When a credit reporting agency (CRA) assembles a consumer report for a prospective employer, inaccurate or out-of-date criminal history can have a serious adverse impact. Sometimes the CRA even reinserts previously-removed material into a report. The complaint for this class action says that Sterling Infosystems, Inc. did this, reinserting disputed information into credit reports without following the procedures required by law.
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.
Business Information Group, Inc. (BIG) is settling a class action alleging that it violated the Fair Credit Reporting Act (FCRA) in preparing consumer reports. The complaint claims that the consumer report compiled for the plaintiff contained inaccurate or incomplete public record information.
This settlement resolves a class action alleging that Quick Search violated the Fair Credit Reporting Act (FCRA) because it sent out background reports without taking care to determine that the information in the reports was accurate.
When she was offered a job in California with Avis, plaintiff Denise Watkins was ready to accept. Then, Avis withdrew its offer, because, the complaint says, the background report they had received from Sterling contained a criminal history. In fact, it wasn’t her history—but by the time she saw the error, it was too late. The complaint says that the companies violated the FCRA, Sterling in providing erroneous information on the report, and Avis because it did not follow the rules for users of credit reports, most notably in not giving her a chance to challenge the false information before they withdrew their job offer.