FCRA

Condition codes can be tricky when credit reporting. Changing a code when an investigation is complete is not always as simple as it sounds. In the latest episode of “Ask The Credit Reporting Expert,” Lauren Burnette of Messer Strickler walks through some of the variables that come into play when …

A District Court judge in Alabama has denied a plaintiff’s motion for summary judgment and granted a defendant’s motion on most of the claims it violated the Fair Credit Reporting Act and the Fair Debt Collection Practices Act after it attempted to collect on an unpaid debt related to an …

In a sign of what is likely to come, lawsuits alleging violations of the Fair Debt Collection Practices Act increased 19% in March compared with February, although the total for the first quarter of 2021 is still well below that from the same period last year, according to data released …

The Federal Trade Commission has reached a $20 million settlement with a company accused of violating the Fair Credit Reporting Act by improperly obtaining individuals’ credit reports and the FTC’s Red Flags Rule for failing to implement an identity theft program. The company, Vivint Smart Homes, will pay a $15 …

A District Court judge in Arizona has awarded more than $17,000 in damages and attorney’s fees to a plaintiff who obtained a default judgment against a collection agency for allegedly violating the Fair Credit Reporting Act by furnishing inaccurate information because it reported a delinquent account that was more than …

There is a common theme to the three questions posed by members of the accounts receivable management industry to our credit reporting expert — Alicia Mckeighan, the Chief Compliance Officer at Afni — in the next episode of “Ask The Credit Reporting Expert” and that common theme is one that …

The Court of Appeals for the Second Circuit has upheld a lower court’s ruling in favor of a defendant that was sued for allegedly violating the Fair Credit Reporting Act for how it identified a default judgment that had been subsequently settled on the plaintiff’s credit report. A copy of …

Compliance is not always binary. It is not always black-and-white. Sometimes, companies are going to have to make choices based on how risky or conservative they want to be. Those situations feature prominently in the latest episode of “Ask The Credit Reporting Expert” in which Sarah DeMoss, the Director of …

Once a customer, always a customer, the Eleventh Circuit Court of Appeals has ruled in reversing a lower court’s denial to compel arbitration in a Fair Credit Reporting Act case, determining that the defendant was not violating the law when it accessed a former customer’s credit report when he called …

The Court of Appeals for the Fifth Circuit has upheld a ruling in favor of a credit repair organization that was sued by a debt collector for allegedly perpetrating a fraud by failing to disclose it was sending letters to the collector in its clients names and on their behalves, …