Tag Archives: FTC

FTC Issues Credit Report Accuracy Study

Credit Report Blogs

Written By ESR News Blog Editor Thomas Ahearn

A follow-up study of credit report accuracy issued by the Federal Trade Commission (FTC) has found that most consumers with previously reported unresolved errors on their credit reports believe that some disputed information on those reports is still inaccurate, according to an FTC press release. The study is available here: Report to Congress Under Section 319 of the Fair and Accurate Credit Transactions Act of 2003. Continue reading

FTC and CFPB Interpret FCRA Reporting for Non-Conviction Records

Blogs about FCRA

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

FTC Issues Follow Up Guide for Background Checks

ESR News Blogs about FTC & Background Checks

Written By ESR News Blog Editor Thomas Ahearn

The Federal Trade Commission (FTC) has issued a follow-up guide – Background Checks – Tips For Job Applicants and Employees – that expands on a March 2014 joint publication of the Equal Employment Opportunity Commission (EEOC) and the FTC: Background Checks: What Job Applicants and Employees Should Know. The new guide further specifies the rights of applicants and employees under the federal Fair Credit Reporting Act (FCRA) and anti-discrimination laws when employers run background checks. The new guide is available at http://www.consumer.ftc.gov/articles/pdf-0044-background-checks.pdf. Continue reading

Alleged Diploma Mill that Made $11 Million Halted by FTC

Diploma Mill Blogs

Written By ESR News Blog Editor Thomas Ahearn

A U.S. district court in Florida has at the request of the Federal Trade Commission (FTC) temporarily halted a diploma mill that allegedly made $11 million from selling fake high school diplomas online to consumers nationwide. The FTC press release about the diploma mill is at http://www.ftc.gov/news-events/press-releases/2014/09/ftc-action-halts-online-high-school-diploma-mill-made-11-million. Continue reading

FTC Issues Report Examining Data Brokers

Written By Thomas Ahearn

Data BrokersThe Federal Trade Commission (FTC) has issued a report – “Data Brokers: A Call for Transparency and Accountability” – that claims data brokers operate with a fundamental lack of transparency and recommends Congress consider enacting legislation to make data broker practices more visible to consumers and to give consumers greater control over their personal information collected and shared by data brokers. The FTC report, the result of a study of nine data brokers representing a cross-section of the industry, is available at http://www.ftc.gov/system/files/documents/reports/data-brokers-call-transparency-accountability-report-federal-trade-commission-may-2014/140527databrokerreport.pdf. Continue reading

FTC Warns of False Consumer Complaint Emails

Written By Thomas Ahearn

ESR News BlogThe Federal Trade Commission (FTC) is warning small businesses that an email with a subject line of “Pending consumer complaint” that falsely states a complaint has been filed against their company is not from the FTC. The FTC advises recipients of the email not to click on any links or attachments in the email since they may install a virus or spyware on the recipient’s computer. More information is available at http://www.ftc.gov//news-events/press-releases/2014/04/ftc-warns-small-businesses-dont-open-email-falsely-claiming-be. 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

Background Check Forms Under Increased Scrutiny

Written By Thomas Ahearn

homepage-legalA federal court decision from a District Court in Pennsylvania granted summary judgment in favor of a class of more than 1,800 job applicants and ruled the employer’s background check consent and disclosure form was improper since the form contained a waiver of liability even though such language is a common practice among some businesses. The ruling in the case of Reardon v. Closetmaid Corporation is available at http://docs.justia.com/cases/federal/district-courts/pennsylvania/pawdce/2:2008cv01730/89928/157. Continue reading

EEOC and FTC Offer Tips for Employment Background Checks

Written By Thomas Ahearn

homepage-checkThe U.S. Equal Employment Opportunity Commission (EEOC) and the Federal Trade Commission (FTC) have released a joint publication titled ‘Background Checks: What Employers Need to Know’ to explain how compliance with the Fair Credit Reporting Act (FCRA) and anti-discrimination laws intersect when employers use employment background checks. The publication is available online at http://business.ftc.gov/documents/0487-background-checks-what-employers-need-know. [PDF] Continue reading

Identity Theft Tops Federal Trade Commission List of Consumer Complaints

Written By Thomas Ahearn

The Federal Trade Commission (FTC) has announced that identity theft has topped the list of national consumer complaints once again for 2013 and that U.S. consumers reported losing more than $1.6 billion to fraud overall. The FTC’s Consumer Sentinel Network (CSN) Data Book 2013 found that 290,056 of the more than two million complaints received – 14 percent – were identity theft related. The CSN report is available at http://www.ftc.gov/system/files/documents/reports/consumer-sentinel-network-data-book-january-december-2013/sentinel-cy2013.pdf. Continue reading