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FCRA

First Citizens Bank Headquarters in Columbia, South Carolina

Plaintiffs Michael Virzi and Natasha Brenchak wanted a mortgage approval. What they got, this complaint says, is that plus three false credit accounts they had specifically declined. Then they went through the difficulties of trying to get the accounts deleted. The complaint claims that the bank has violated the Fair Credit Reporting Act (FCRA), the Equal Credit Opportunity Act (ECOA), and the Truth in Lending Act (TILA), among other things.. 

Omnicare Logo

Omnicare, Inc. is putting up $1.3 million to settle a class action alleging that it did not provide proper disclosure forms to employees or prospective employees who were the subjects of background checks.

Examination of Fingerprint with Magnifying Glass

When a credit reporting agency (CRA) assembles a consumer report for a prospective employer, inaccurate or out-of-date criminal history can have a serious adverse impact.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. 

Credit Report Showing Score of 730

For the consumer reporting system to work properly, it’s important that reporting agencies be held to standards of accuracy. The Fair Credit Reporting Act (FCRA) sets out rules for reports and their use. However, the complaint for this class action alleges that TransUnion, LLC reported that certain consumers owed debts that had been forgiven in a class action.

PNC Sign on Building

The Fair Credit Reporting Act (FCRA) sets rules for the use of consumer reports by potential employers. The complaint for this class action says that PNC Financial Services, Inc. and PNC Bank, NA violated the FCRA’s Stand-Alone Disclosure Requirement and Pre-Adverse Action Disclosure Requirements.

Living Room with Wall of PGT Windows, with Sea View

More and more employers use consumer reports as a means of screening prospective employees. The Fair Credit Reporting Act (FCRA) forbids this practice unless the employer follows the provisions of the law. The complaint for this class action claims that PGT Industries, Inc., a maker of customer windows and doors, did not provide proper disclosure that it intended to obtain such a report and that it did not obtain proper authorization. 

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.

Sign for Bankruptcy Court

Because of the increasing importance of credit reports these days, consumers must work to maintain good credit ratings. Unfortunately, they must also work to make sure the information handed out by the reporting agencies is accurate. This class action alleges claims against debt collector Select Portfolio Servicing, Inc. (SPS), for continuing to send out inaccurate information, and the three major credit reporting companies, for continuing to report it without conducting a proper investigation. 

Magnifying Glass on Person

The content of consumer reports matters. As this complaint states, “Employers, lenders, and landlords use consumer reports to screen applicants, borrowers, and tenants. They use the reports to deny people jobs, credit, housing, and access to other means by which to live.” The complaint claims that Deverus, Inc. violated the Fair Credit Reporting Act (FCRA) by maintaining adverse information on its credit reports that was more than seven years old. 

Air Canada Plane in Flight

Companies are permitted to obtain consumer reports or background checks on employees or job applicants unless they follow the requirements of the Fair Credit Reporting Act (FCRA). The complaint for this class action alleges that Air Canada did not do so. The complaint claims that Air Canada did not provide subjects of the reports with proper disclosure, obtain proper authorization, or give them a pre-adverse-action notice.

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