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FCRA

Costco Store Interior

Costco has agreed to settle a class action alleging that it did not give job applicants a standalone disclosure form when asking for background checks on them, as required by the Fair Credit Reporting Act (FCRA). 

Paper Headed "Request for Criminal Background Check"

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. 

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.

24-7 InTouch's Break Room

Ascenda USA, Inc., doing business as 24-7 InTouch, has agreed to form a settlement fund of over a million dollars to settle a class action alleging that its handling of background checks for prospective employees violated the Fair Credit Reporting Act (FCRA).

Verified Credentials Sign

Verified Credentials, Inc. is settling a class action alleging that it violated the Fair Credit Reporting Act.

Equinox Fitness Club Treadmills

Plaintiff Hassan Barrow was convicted of a crime he did not commit, according to the complaint for this class action, and he would like the protections of the Fair Credit Reporting Act (FCRA) and the New York criminal record laws, in this case in his refusal of employment by Equinox Holdings, Inc. The complaint alleges that Equinox violated the law in two ways. First, he was not given a written description of his rights under the FCRA before Equinox refused to hire him on the basis of his background check. Second, the complaint alleges that the refusal of employment violates the New York criminal background discrimination laws.

Whole Foods Logo and Vegetables

Whole Foods is known as a high-end grocery retailer, but at some of its 470 stores it also offers taprooms and restaurants. The complaint for this class action alleges that its taprooms and restaurants were the subjects of a data breach in September 2017. According to the complaint, Whole Foods knew about the breach but did not immediately inform the public, so that when plaintiff Patricia Banus made a purchase at a taproom in Rocky River, Ohio, her information was entered into a system that the company knew was already compromised.

Fingerprint and Magnifying Glass

General Information Solutions, LLC (GIS) has agreed to settle a class action alleging that it produced a background report by reporting records other than convictions of crimes that were more than seven years old, thereby violating the Fair Credit Reporting Act (FCRA).

Avis Rental Lot

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.

Mississippi Iron Works Image

According to the complaint for this class action, when plaintiff John Edward Meeks agreed to take out a loan for new window and door home protection from Mississippi Iron Works (MIW), he had no idea that what he was doing was applying for a Wells Fargo credit card—specifically the Wells Fargo Home Projects Credit Card. The complaint alleges that, as a standard practice, the salesperson fills out the paperwork, and claims this is done as a deliberate deception, so that the consumer never learns the details of what he’s actually applying for. The complaint further says that Wells Fargo reports the credit cards as open-ended, revolving credit accounts, which may harm the credit histories of consumers. Among the complaint’s allegations are violations of RICO laws and the Truth in Lending Act.

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