New York Consumer Law Blog

Thursday, December 22, 2016

Medical Identity Theft


Is your most sensitive information protected in the hands of your health care provider?  How well is it protected?

When identity theft takes a toll on your credit report, know your rights under the Fair Credit Reporting Act.  The statute entitles you the "maximum possible accuracy" of the information contained in your credit report.

 Visit http://nyconsumerlaw.com/lawyer/Credit-Report-Errors_cp16177.htm for more information.


Read more . . .


Wednesday, November 30, 2016

WHAT YOU SHOULD KNOW ABOUT MAINTAINING YOUR CREDIT SCORE


Most people know that maintaining their credit score in good standing is crucial to their financial health. After all, their credit score can have a significant impact on many aspects of their life. Credit scores can affect a person’s ability to buy a home, car, insurance, and may even affect their ability to obtain employment. However, what most people do not know is that credit reporting agencies (CRAs) and credit furnishers often make a multitude of mistakes when recording a credit score and credit report.
Read more . . .


Tuesday, November 29, 2016

Wells Fargo Shows Its Deepest Remorse

  http://money.cnn.com/2016/11/25/investing/wells-fargo-lawsuit-forced-arbitration/index.html
Read more . . .


Sunday, November 6, 2016

Credit Reports Of Debtors Off-Limits In Other Than Credit Transaction Judgments Says Rodriguez Court


When collecting judgments, one of the most powerful tools for creditors is running a credit report on the debtor, since the credit report will show where the debtor has applied for credit or opened bank accounts, etc. These creditor reports are usually a gold mine for creditors, since they can lead to loan applications wherein the debtor discloses his true income, and not the “I’m completely busted broke” that the debtor will almost inevitably tell creditors at a debtor’s examination.

The U.
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Wednesday, November 2, 2016

Your Right to Know - Your Consumer Credit File Under the Fair Credit Reporting Act


Consumer reporting agencies (also known as credit reporting agencies or CRAs) compile consumer data primarily for use by "users."  Users are entities that access a consumer's information to gain insight into the consumer's past behavior including prior use of credit (payment history and type of credit accessed), criminal history for a job application, or tenant history in the case of housing.  In the credit context, users rely upon these "consumer reports" to decide if the consumer is a high or low risk borrower for a variety of consumer transactions such as auto purchases, home loans, and credit cards.

Critically, however, consumers have a right to access that data as well.  Several circumstances trigger the credit bureau's duty to provide a consumer with a copy of his or her complete credit file.
Read more . . .


Friday, October 14, 2016

Wells Fargo is "feeling the pinch" after stealing from countless consumers. Not.


Wells Fargo is "feeling the pinch" after stealing from countless consumers.

Wells Fargo's net income in the most recent quarter declined to $5.64 billion from $5.8 billion the same period last year, the bank said Friday.

Wednesday, October 12, 2016

Ruling on CFPB's Unconstitutionality Leaves Agency Intact

From the National Consumer Law Center:

 The DC Circuit's October 11 decision in PHH Corp. that the Consumer Financial Protection Bureau is unconstitutional will have far more limited impact on the agency  than one might presume, as explained in this article.

 https://library.nclc.org/ruling-cfpb%E2%80%99s-unconstitutionality-leaves-agency-intact


Read more . . .


Thursday, October 6, 2016

IRS Scam Center Busted -- Wall Street Journal

Indian Police Bust IRS ‘Scam Center’

Police say scammers posing as IRS officials would dial people in the U.S. and threaten them with jail time if they didn’t pay up.
Read more . . .


Wednesday, October 5, 2016

Class Actions or No Action

Class actions are often the only viable mechanism to address widespread consumer harm.  Read more in this insightful piece.

June 26, 2016 12:00 AM

What would you do if your client told you her bank had charged her account a $25 fee she didn’t owe? Would you sue the bank?

Probably not, given that the cost of the litigation would greatly exceed $25. That’s why we have class actions.


Read more . . .


Wednesday, September 21, 2016

My Presentation Next Week at the NYC Real Estate Expo


Next Thursday, 9/29/16, the Midtown Hilton will be swarming with over four thousand real estate professionals including leaders in the industry.  Come here my brief presentation at 4:30 in the Finance Presentations lineup in the Morgan Suite.  Topic: Client Credit Report Errors: Consumer’s Rights under the FCRA in the Real Estate Context.

 http://www.nycnetworkgroup.
Read more . . .


Tuesday, September 20, 2016

Should Wells Fargo be forced to pay what it cannot "claw back"?

Should Wells Fargo be forced to pay what it cannot "claw back"? 

Read more here:

http://www.cnbc.com/2016/09/20/its-would-not-be-easy-for-wells-fargo-to-claw-back-banker-pay.html


Read more . . .


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