The Fair Credit Reporting Act (FCRA) regulates “consumer reports,” including credit reports. Among the many prohibitions contained in the FCRA is the requirement that people using, accessing, or obtaining your credit report have a permissible purpose in doing so. The statute contains a list of permissible situations in which a consumer report may be obtained. […]
Category Archives: Class Actions
Big Corporations Don’t Want to See You in Court
You probably think that if your consumer rights are violated by a bank, credit card company, or other corporation, you will have your day in court. However, what few consumers know is that many consumer contracts (like your loan, bank deposit, or credit card agreements) contain forced arbitration provisions. Arbitration is a process whereby a […]