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Whole Foods Market Group, Inc. (“Whole Foods”), the giant grocery retailer, is just one of the latest companies to be sued for allegedly violating the Fair Credit Reporting Act (“FCRA”) during employment background checks. Earlier this year, in a California District Court, Whole Foods was sued for allegedly using invalid authorization forms during employment background checks and for conducting background…
In a class action case against Dollar General Stores, a federal court in Virginia is being asked to approve a settlement reached between the parties for $4 million. In the case against this retail giant, the store was accused of conducting employment background checks without Fair Credit Reporting Act (“FCRA”) compliance. This case began when two plaintiffs, Jonathan Marcum and…
Your credit report, which contains a running list of any credit accounts you hold, is a key component in your qualifications to receive a loan, a mortgage, a new credit card, even getting a job and renting an apartment. Understanding how your credit report works is as easy as remembering these 10 simple facts so you are better prepared to…
Most LinkedIn users use their profiles as a networking tool when looking to change employment or make new business connections. Despite its growing success, a group of members of this website have filed suit under the Fair Credit Reporting Act (“FCRA”) alleging that a tool called the “Reference Search” ruined their chances of getting hired by potential employers. The way…
In a recent newsletter, the CPFB warned Americans about the growing problem faced by the elderly, debt and abusive debt collectors. Over the past two years, the CFPB has noticed a steady incline of complaints filed by older consumers regarding debt collection. After reviewing these complaints placed with the CFPB, the most common problem suffered by these consumers revolved around…
This fall, when the Consumer Financial Protection Bureau (“CFPB”) issued its latest report, it was quick to point out that violations are still occurring under the Fair Debt Collection Practices Act (“FDCPA”) and the Unfair Deceptive or Abusive Acts or Practices (“UDAAP”) relating to collection activities. Regarding debt collection, the CFPB discovered four areas of concern where compliance is still…
When a creditor charges off an account, discontinues sending monthly statements, and stops adding interest on the account, a debt collector that later takes on the account cannot put its own interest onto the account for all the time the debt was charged off. In Stratton v. Portfolio Recovery Associates, the 6th Circuit ruled that a collection agency is not…
For working consumers across the country, understanding that the Fair Credit Reporting Act (“FCRA”) can protect you during a job interview or throughout your employment, may help you get the job you need or keep you in the job you already have. The FCRA, a consumer minded statute, enacted in the 1970s, provides protection for your credit reporting history can…
Protecting yourself from identity theft starts the moment you decide to make a purchase. Your actions when stepping up to a cash register to pay can mean the difference between becoming an identity theft victim or having your identity and buying power remain safely in your control. Studies show that consumers are more likely to have their identity stolen by…
If you are anything like thousands of Americans, you have missed a few payments here and there on your bills and have been contacted by a debt collector looking to make sure you to pay up. Having a debt collector contact you is stressful, and if you don’t know the basic rules of how to deal with debt collection you…