Tag Archives: Consumer Reporting Agency (CRA)

Georgia Law Taking Effect July 1 Offers FCRA Protections

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Written By ESR News Blog Editor Thomas Ahearn

Effective July 1, 2015, a new law in Georgia – House Bill 328 (HB 328) – will enact similar protections offered to consumers under Section 613 of the federal Fair Credit Reporting Act (FCRA). The text of Georgia HB 328 is at http://www.esrcheck.com/file/GeorgiaHB328.pdf. Continue reading

Employment Screening Resources to Present Webinar on Ways CRAs are Sued Under FCRA

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Written By ESR News Blog Editor Thomas Ahearn

Employment Screening Resources® (ESR) – ‘The Background Check Authority®’ – will present a complimentary webinar hosted by ESR founder and CEO Attorney Lester Rosen titled ‘Common Ways Consumer Reporting Agencies are Sued Under the FCRA’ on Tuesday, May 12, 2015 at 11:00 AM to 12:00 Noon PM Pacific Time. To register for this event, please visit http://attendee.gotowebinar.com/register/6893115836185261825. Continue reading

CFPB Report Examines How CRAs Handle Consumer Disputes

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Written By ESR News Blog Editor Thomas Ahearn

The Consumer Financial Protection Bureau (CFPB) has released its latest Supervisory Highlights report that shows CFPB supervisory resolutions resulted in remediation of $19.4 million to more than 92,000 consumers. Among the highlights of the 20-page report is a focus on how Consumer Reporting Agencies (CRAs) handle consumer disputes that question the accuracy and completeness of background check reports. Continue reading

Employment Screening Resources Releases Whitepaper Showing Why Employers Should Be Careful when Choosing CRAs

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Written By ESR News Blog Editor Thomas Ahearn

Employment Screening Resources® (ESR) – ‘The Background Check Authority®’ – has released a whitepaper on ‘Common Ways Consumer Reporting Agencies are Sued Under the FCRA’ showing employers the reasons why prospective employees may sue Consumer Reporting Agencies (CRAs) for alleged violations of the federal Fair Credit Reporting Act (FCRA). The complimentary whitepaper is at http://www.esrcheck.com/Whitepapers/. Continue reading

FTC and CFPB Interpret FCRA Reporting for Non-Conviction Records

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Written By ESR News Blog Editor Thomas Ahearn

The Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB) have filed a joint amicus brief advocating for the seven-year reporting period for non-conviction records found in the federal Fair Credit reporting Act (FCRA) to begin on date of the charge or filing and not on the date of the last action in the case. To view the entire amicus brief jointly filed by the FTC and the CFPB, click here. Continue reading

Data Brokers Settle FTC Charges of FCRA Violations

Written By Thomas Ahearn

ESR News BlogTwo data brokers that sell public record information about consumers have agreed to settle Federal Trade Commission (FTC) charges that they violated the Fair Credit Reporting Act (FCRA) by allegedly providing reports about consumers to users such as prospective employers and landlords without taking reasonable steps to make sure that they were accurate or that their users had a permissible reason to have those reports. A press release from the FTC about the settlements is available at http://www.ftc.gov/news-events/press-releases/2014/04/two-data-brokers-settle-ftc-charges-they-sold-consumer-data. Continue reading

Class Action Lawsuit against Background Firm Alleging Fair Credit Reporting Act Violations Demonstrates Importance of Legal Compliance

The importance of legal compliance and background checks was underscored in the filing of a class action lawsuit in the Los Angeles County Superior Court on November 1, 2013 against a Florida based background screening firm for violations of the federal Fair Credit Reporting Act (FCRA).  The lawsuit seeks statutory damages that can be $100 to $1,000 for every consumer that was the subject of a background check done using the forms and methods that were the subject of the complaint.  The lawsuit also request punitive damages. The law also provides for attorneys fees. The case is Los Angeles County Superior Court case BR 526352. Continue reading

Background Check Consumer Protection Group Concerned CRAs Reaches 200 Members

Background check consumer protection watchdog group Concerned CRAs has accepted its 200th participating employment background screening company, according to a press release available at http://www.prweb.com/releases/backgroundchecks/employment/prweb11304787.htm. Continue reading

First Advantage Acquires Background Screening Industry Competitor Verifications Inc

Background screening provider First Advantage (FADV), a Symphony Technology Group (STG) company, has acquired screening industry competitor Verifications, Inc., according to a press release on the Yahoo! Finance website available at http://finance.yahoo.com/news/first-advantage-acquires-verifications-inc-180000268.html. Continue reading

FTC Settlement for 3.5 Million Dollars with Check Services Company Demonstrates Importance of Following FCRA

One of the nation’s largest check authorization service companies has agreed to pay $3.5 million to settle Federal Trade Commission (FTC) charges that it allegedly violated the Fair Credit Reporting Act (FCRA). Although the company is not a firm providing employment background checks, it did provide services under the FCRA and is subject to many of the same rules that apply to background screening firms. A press release from the FTC concerning the $3.5 million penalty – the second largest in an FCRA matter – is available at http://www.ftc.gov/opa/2013/08/certegy.shtm. Continue reading