New York Consumer Law Blog

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 . . .


Tuesday, September 20, 2016

Corporate corruption runs very deep


http://www.cnbc.com/2016/09/20/wells-fargo-has-cut-checks-to-congressional-questioners-campaigns.html

It's a different spin on the system of "checks and balances."

Read more . . .


Friday, September 9, 2016

How the careless errors of credit reporting agencies are ruining people’s lives: Their files are full of obvious mistakes that the companies are in no rush to correct.


From the Washington Post: 

According to the Consumer Financial Protection Bureau, Equifax, Experian and TransUnion, all credit-reporting agencies, are the three most-complained-about companies in America. These companies furnish reports for landlords to examine tenants, for banks to analyze borrowers, for insurance companies to figure out monthly rates and for employers to probe the backgrounds of potential hires — so they wield serious influence over our financial lives and futures.
Read more . . .


Friday, September 9, 2016

Math is Racist and How Big Data Is Coming For You (Wait, It's Already Here)


"Big data" is real and growing. Know your rights under the Fair Credit Reporting Act and related state statutes. 

http://money.cnn.com/2016/09/06/technology/weapons-of-math-destruction/index.
Read more . . .


Monday, September 5, 2016

What Do Consumer Reports Cover? More than Just "Credit Reports"


What Do Credit Reports Cover?

A great deal of consumer credit and evaluative information is contained in "consumer reports."  These reports -- including but not limited to credit reports -- are covered by the federal Fair Credit Reporting Act (FCRA) as well as by the New York Fair Credit Reporting Act.  Both FCRA statutes give consumers a number of protections regarding the use and accuracy of their data.  Many consumers think that such protections extend only to "typical" credit reports, but in fact there are a broad range of topics that qualify for protection under the FCRA. The statute in 15 U.


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Thursday, September 1, 2016

Who's responsible when a loved one passes away with outstanding debt?


 Who's responsible when a loved one passes away with outstanding debt? Read more here: Read more . . .


Thursday, September 1, 2016

Returning an Auto Lease: The Right Way


Returning an Auto Lease the Right Way


       It’s been one, two, three, or even four or more years since you’ve leased your vehicle. You’ve treated the car well, you’ve never had any accidents, and minus any normal wear and tear on the vehicle, your car is in great condition. Now, however, your lease is over, and it’s time to return the vehicle to the dealership. If you’ve dealt with leases before, you know that the leasing company will hire a contractor that will travel to the dealership and will perform an inspection on your vehicle to check for mechanical problems, such as engine, transmission, or suspension operation; cosmetic damage (dents, dings, scratches, etc.); cracks, pitting, or similar damage on all windows; excessive wear to the brakes and tires; and stains, burns, or other damage to the interior of the vehicle.
Read more . . .


Monday, August 29, 2016

Disputing Credit Report Errors: An Overview


    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 key aspects of their financial life. Credit scores can affect a person’s ability to buy a home, car, insurance, and may even affect their ability to obtain employment. Many consumers, however, are unaware that inaccurate credit reports are a common problem . These mistakes often remain uncorrected despite the credit bureaus (consumer reporting agencies or “CRA”) being informed of the error.


Read more . . .


Thursday, August 18, 2016

CFPB Finds Credit Report Errors Still a Problem


What can I do about errors in my credit report?

The Consumer Finance Protection Bureau recently released a study that revealed credit report errors continue to be a serious problem for consumers. The overarching issue is that these errors can adversely affect a consumer's ability to qualify for credit, especially a mortgage loan. In some cases, inaccurate credit report information can also impede an individual's job prospects.


Read more . . .


Wednesday, August 17, 2016

NYC Tenant Blacklists: The FCRA and Tenant Background Reports


Read today's article about how errors by tenant screening companies can interfere with renting an apartment in New York City and beyond.

 http://www.nytimes.com/2016/08/17/nyregion/new-york-housing-tenant-blacklist.html?_r=0

 The Law Office of Adam G.
Read more . . .


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