New York Consumer Law Blog

Friday, July 26, 2019

Congress should follow California's lead in protecting consumers


Many aspects of privacy protection in our country are broken and Congress is not doing its part to fix them. For example, when hackers obtained the private information of 148 million Americans in the 2017 Read more . . .


Thursday, July 25, 2019

Equifax garners the most complaints in 2017


Do you have a most hated company?  Where does Equifax rank on your list?

According to an analysis released Thursday by LendEdu, in 2017 the Consumer Financial Protection Bureau (CFPB) received 30,576 complaints about the Atlanta-based provider of credit reporting services. No other company generated more consumer gripes in 49 states and Washington, D.C. 

That lone exception was North Dakota, where Equifax rival Experian (Read more . . .


Wednesday, July 24, 2019

Equifax to Pay at Least $650 Million in Largest-Ever Data Breach Settlement


“Equifax put profits over privacy and greed over people, and must be held accountable to the millions of people they put at risk,” said Attorney General Letitia James of New York, who helped lead the states’ investigation. “This company’s ineptitude, negligence and lax security standards endangered the identities of half the U.S. population.” 

 Read more . . .


Tuesday, July 23, 2019

Equifax exposed 150 million Americans' personal data. Now it will pay up to $700 million


Data breaches place almost everyone at risk for credit report mistakes.  That Equifax -- a company charged by law with protecting victims of identity theft and ensuring data integrity -- failed to prevent this breach is a bitter irony.  
Consumers should regularly check their credit reports for inaccurate information.  The Fair Credit Reporting Act enshrines consumers' rights to accurate credit reports.  For more information, visit Read more . . .


Tuesday, July 9, 2019

FTC Announces Final Rule Implementing Law Providing Free Credit Monitoring for Active Duty Military Consumers


https://www.ftc.gov/news-events/press-releases/2019/06/ftc-announces-final-rule-implementing-law-providing-free-credit

The final Rule defines “active duty military consumer” as a consumer in military service who meets the FCRA’s definition of “active duty military consumer,” which requires that the consumer be assigned to service away from their usual duty station, or be a member of the National Guard.
Read more . . .


Friday, July 5, 2019

What everyone should know about employer background checks


CBS MoneyWatch contacted me for their story about employment background checks and the widespread violations of consumers' rights under the Fair Credit Reporting Act.  

That federal statute entitles consumers to accuracy -- not just with credit reports -- but also for employment and housing background checks.

Background check companies sometimes rely on partial information, like a birth year versus a full birth date, resulting in frequent mixups, experts said. "It's a much harder problem with criminal background reports, because oftentimes there is no date of birth or Social Security number provided," said Adam G. Singer, a consumer protection lawyer.
Read more . . .


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