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Wednesday, January 10, 2018

Equifax Says It Will Hand Over New York Data Breach Info


A spokeswoman for Atlanta-based credit reporting agency Equifax said the company would comply with a demand by Secretary of State Rossana Rosado for information on a July data breach that was made public in September.

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Tuesday, December 26, 2017

TzedekDC (tzedekdc.org) is a new Jewish lawyers group dedicated to providing pro bono debt representation for the poor.


Whereas these disputes were once a matter of debtor vs. creditor, in recent decades the game has changed. Large companies write off their bad debt and sell the paper to third parties for pennies on the dollar. These big debt buyers then hire phalanxes of lawyers to sue thousands of people.
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Thursday, December 14, 2017

Ninth Circuit Court of Appeals: FCRA bars background check liability waiver


In Syed, the Ninth Circuit Court of Appeals held that a background check disclosure which included a liability waiver violated the FCRA. This case was significant because the Ninth Circuit is the first federal appeals court to definitively state that the FCRA “unambiguously bars the inclusion of a liability waiver.” The court also notably held that the employer willfully violated the FCRA by including the liability waiver in the disclosure, finding that no reasonable interpretation of the statute would allow any language besides a disclosure and authorization.


Our firm represents job applicants subject to background checks.  The Fair Credit Reporting Act governs all consumer reports including employment and housing background reports.
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Monday, November 20, 2017

Trump likely to tap budget director Mulvaney as interim CFPB chief


Fox guarding the hen house.  Mulvaney was one of the agency's most vocal critics during his time in the House and voted in favor to kill the agency.

 

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Friday, November 17, 2017

Richard Cordray to step down as head of Consumer Financial Protection Bureau


A one-two punch. First the Congressional override of the CFPB's rule limiting mandatory arbitration clauses in certain consumer financial agreements. And now the loss of Cordray who has been an important advocate for consumer financial rights.

 

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Monday, October 16, 2017

Top-Ranking for the Law Office of Adam G. Singer


 Local business-review website ThreeBestRated.com has named the Law Office of Adam G. Singer as one of the three best consumer protection attorneys in Manhattan. This rating was based upon a variety of factors including: “everything from checking reputation, history, complaints, local reviews, nearness, satisfaction, trust and cost to the general excellence.”

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Wednesday, October 4, 2017

Elizabeth Warren to Wells Fargo CEO: 'You should be fired'


It was déjà vu for Wells Fargo, this week, as senators expressed outrage at the bank’s culture of shady practices. Last year, senators berated (former-CEO) John Stumpf over the millions of fake accounts created in customers’ names. Stumpf’s replacement, Tim Sloan, took the brunt of congressional ire on Tuesday, with Senator Brian Schatz of Hawaii going as far as to call for the revocation of Wells Fargo’s charter. Wells Fargo is currently under investigation by the US Dep’t of Justice, Securities and Exchange Commission, and the US Dep’t of Labor.

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Wednesday, October 4, 2017

Why Equifax will continue to profit by selling your personal information


Equifax’s former CEO is testifying before Congress this week. In spite of the potential for great harm to consumers, industry-insiders expect little regulatory change in the wake of Equifax’s breach. The fact that credit is such an integral piece of the economy, generally—and the degree to which the economy relies upon a functioning credit reporting system—radical changes are unlikely anytime soon.

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Friday, September 29, 2017

The real problem with credit reporting is the astounding number of errors


The Big Three credit agencies are juggling roughly 2.6 billion data entries apiece, at any given time. With over 1 billion modifications to those entries each month, "[s]peed and volume are favored over accuracy." Aaron Klein of the Brookings Institute writes, the "costs of correcting the data outweigh benefits," leading to millions of errors on consumers' credit reports. Klein suggests several common sense remedies to the issue, including enabling consumers to check their credit reports at-will, free of charge.
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Wednesday, September 27, 2017

Liens and Judgments Data: Not Gone for Good


Until recently, mortgage lenders could access the lien and judgment history of potential borrowers through a borrower’s credit report. The national credit reporting agencies (NCRAs), TransUnion, Equifax, and Experian, did such a poor job of keeping reliable records on liens and judgments—Social Security numbers were missing from roughly 50% of tax lien records and 96% of civil judgment records—that they're no longer allowed to provide these services. Mortgage lenders must now obtain information on liens and judgments through more circuitous means, such as title searches.

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