New York Consumer Law Blog

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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A little-known provision of the 2010 Dodd-Frank law, which created the CFPB, gives them the authority to enforce the agency’s rules and its broad ban on “unfair, deceptive and abusive” practices beyond state lines.

States have rarely used those provisions while Richard Cordray, appointed by President Barack Obama and known for aggressively pursuing financial firms, was in charge of the watchdog.

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Like it or not, the holidays are upon us. It's important to make sure your year-end shopping spree isn't spoiled by cybersecurity threats, hackers or scammers. 

Contact us immediately if you discover any unfamiliar entries on your credit report and suspect your identity has been stolen. We represent consumers on contingency to obtain a permanently corrected report and, in many cases, compensation for violations of the federal Fair Credit Reporting Act.

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Brett Johnson made his living profiting from stolen identities. Like yours.

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https://www.acainternational.org/news/cfpb-fines-xerox-for-furnishing-incorrect-information-to-credit-reporting-agencies

Contact us immediately if you discover any unfamiliar entries on your credit report.
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In fact, the CFPB has emerged as that rare beast — a fast-moving agency that actually chalks up wins for average Americans. By the end of 2016, shortly before Trump took office, the 5 1/2 -year-old bureau’s enforcement actions against everyone from the country’s biggest banks to small-time debt collectors had already returned $11.9 billion to 29 million consumers. The CFPB had created a public database of consumer complaints against banks and other lenders, and had issued new rules governing everything from mortgages to student loans to the prepaid cards that millions of “unbanked” Americans carry in their wallets. A year ago, the bureau finalized new rules giving prepaid customers some of the same protections enjoyed by those who use credit cards.
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