Tag Archives: Fair Credit Reporting Act (FCRA)

Judge Grants CFPB Petition Enforcing Demand for Information from Public Records Company

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Written By ESR News Blog Editor Thomas Ahearn

A federal judge in Texas has ordered a company located in the state that compiles public records to turn over information requested in a Civil Investigative Demand (CID) issued by the Consumer Financial Protection Bureau (CFPB) as part of a nonpublic investigation to determine whether consumer reporting agencies (CRAs) are violating the federal Fair Credit Reporting Act (FCRA). Continue reading

Burger Chain Faces FCRA Class Action Lawsuit Over Background Checks

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Written By ESR News Blog Editor Thomas Ahearn

A potential class action lawsuit brought by a former employee against Five Guys claims the popular burger chain violated the federal Fair Credit Reporting Act (FCRA) and California labor law by conducting background checks on employees without properly notifying them, according to a report from BigClassAction.com. Continue reading

Consumer Files Lawsuit Claiming Credit Reporting Agencies Failed to Remove Dispute Language from Credit Report

Credit-Reports

Written By ESR News Blog Editor Thomas Ahearn

On May 23, 2017, a consumer filed a complaint in the U.S. District Court for the Western District of Louisiana against two of the three major credit reporting agencies claiming “she was damaged because her credit report was not updated per her request,” according to a report from the Louisiana Record. Continue reading

Appeals Court Finds No Concrete Injury in FCRA Lawsuit Over Incorrect Information on Credit Report

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Written By ESR News Blog Editor Thomas Ahearn

On May 11, 2017, the U.S. Court of Appeals for the Fourth Circuit decided in Dreher v. Experian Information Solutions, Inc., et al that the plaintiff’s claim that Experian violated the federal Fair Credit Reporting Act (FCRA) by listing a defunct company on his credit report – thus denying him access to information to which he was entitled – failed to establish a “concrete injury” under Article III of the U.S. Constitution. Continue reading

Inaccurate Background Check Leads Applicant to File Class Action Lawsuit against Prospective Employer

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Written By ESR News Blog Editor Thomas Ahearn

A Booneville, Indiana woman who was shocked to learn she would not be hired for a nursing job when an employment background check report revealed that she had “multiple felonies” – even though she insists she has “a squeaky clean criminal record” – has filed a class action lawsuit against her prospective employer that requested the background check, according to a story from The Indianapolis Star. Continue reading

Judge Dismisses FCRA Lawsuit Involving Background Checks

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Written By ESR News Blog Editor Thomas Ahearn

In March 2017, a federal judge in Minnesota dismissed a class action lawsuit where a woman claimed that her former employer and its related entities “willfully” violated the federal Fair Credit Reporting Act (FCRA) even though she said she did not suffer any “actual damages” but only “informational damages.” Continue reading

FTC Tells Employers to Keep FCRA Required Disclosures Simple for Background Screening Reports on Job Applicants

FTC Blog about Background Screening Disclosures

Written By ESR News Blog Editor Thomas Ahearn

The Federal Trade Commission (FTC) has published a blog entitled “Background checks on prospective employees: Keep required disclosures simple” to help employers understand requirements of the Fair Credit Reporting Act (FCRA) when procuring background screening reports on job applicants from third party screeners. Continue reading

Lawsuit Claims Three Credit Reporting Agencies Allegedly Violated FCRA by Reporting Old Debt

 FCRA-graphic

Written By ESR News Blog Editor Thomas Ahearn

An Illinois woman has filed a lawsuit filed against the three major nationwide credit reporting agencies – Equifax, Experian, and TransUnion – claiming that they allegedly violated the federal Fair Credit Reporting Act (FCRA) by failing to observe her bankruptcy and reporting discharged debt, according to a report by the Madison-St. Clair Record. Continue reading

Wells Fargo Sued by Former Employees Fired Over Background Checks

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Written By ESR News Blog Editor Thomas Ahearn

In February of 2017, nearly a dozen former employees of Wells Fargo bank filed a lawsuit in a South Dakota District federal court that claimed they were fired from their jobs for minor criminal charges already disclosed when they were originally hired after Wells Fargo conducted background checks on them to comply with a 2008 federal law that bars “banks and mortgage lenders from employing people convicted of crimes involving dishonesty,” according to a report from Argus Leader Media. Continue reading

CFPB Fines Credit Reporting Agency $3 Million for Deceiving Consumers about Credit Scores

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Written By ESR News Blog Editor Thomas Ahearn

The Consumer Financial Protection Bureau (CFPB) has ordered one of the nation’s three largest credit reporting agencies, Experian, to pay a civil penalty of $3 million for deceiving consumers about the use of credit scores it sold to them, according to a report on the CFPB website. Continue reading