The case of Noah Ford v. I.Q. Data International Inc. et al. addresses allegations against I.Q. Data International Inc. ("I.Q. Data") and Kris Graafstra for their debt collection practices, specifically under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). Background: The lawsuit stemmed from a debt owed by Noah Ford, arising from a purported breach … [Read more...]
Fair Credit Reporting Act
FCRA Background Check Compliance – Wynn v. United Parcel Service Inc.
The case Brittany Wynn v. United Parcel Service Inc., involves the plaintiff, Brittany Wynn, filing a putative class action against United Parcel Service Inc. (UPS) alleging violations of the Fair Credit Reporting Act (FCRA). The core issue is UPS's online consumer report disclosure practice. The FCRA mandates clear and conspicuous disclosure in writing to the consumer, in a document solely … [Read more...]
Intersection of Fact and Law in Credit Reporting: FCRA Obligations and State Law Impacts on Credit Reporting
In Gross v. CitiMortgage Inc., Marshall Gross challenged CitiMortgage's reporting of a junior mortgage debt on his credit report following the foreclosure of his home. Under Arizona's Anti-Deficiency Statute, Gross's liability for the junior mortgage was eliminated once the foreclosure sale failed to cover the debt. Despite this, CitiMortgage reported the debt as active, accruing interest, and … [Read more...]
Understanding the Impact of the Fair Credit Reporting Act and the CARES Act on Consumer Rights
In the case of Craig Mirabile v. Bank of America National Association, the plaintiff, Craig Mirabile, brought suit under the Fair Credit Reporting Act (FCRA), alleging that Bank of America provided false information to credit reporting agencies and failed to reasonably investigate his dispute. The court allowed the FCRA claim to proceed and found the following facts persuasive to not dismiss the … [Read more...]
National Consumer Telecom and Utilities Exchange, Inc. Sued
National Consumer Telecom and Utilities Exchange, Inc., a credit reporting agency has been sued in the United States District Court, Northern District of California in San Francisco, CA. National Consumer Telecom and Utilities Exchange, Inc., “NCTUE” is a credit reporting bureau that collects data from utility companies regarding new connect requests, payment history and historical account … [Read more...]