The CFPB has issued an opinion to make it clear using information from credit reports to market debt relief services is off-limits. A. Background Consumer reporting agencies collect and assemble or evaluate information about, among other things, the credit, criminal, employment, and rental histories of hundreds of millions of Americans. They package this information into …
Two things just happened. First, I posted this article about a debt relief mailer. Second, a lawsuit just crossed my desk against Debt Management Group, The Davis Law Group, Brian Davis, Moore Legal Center, and Thomas Moore. The irony is the suit happens to contain a mailer that looks nearly identical to the one in …
Nationwide Debt Direct recently had a state lawsuit moved to federal court and it’s interesting because it’s yet another example of a suit brought over marketing. This case was filed by Brian Garvine (brian@garvinelaw.com) and Robert Parker (rparker@lawLH.com), both Ohio attorneys. The suit alleges Nationwide Debt Direct “unlawfully obtained Plaintiffs consumer reports and used them …
One of the common requests I hear from readers is for legal help with issues surrounding their debt problems when they feel they’ve been hurt or abused by a debt collector. In the past I’ve always referred people to the National Association of Consumer Advocates and the GetOutOfDebt.org legal friends and protectors to find an …
The Federal Trade Commission sent letters to ten data broker companies warning that their practices could violate the Fair Credit Reporting Act (FCRA) after a test-shopping operation by the FTC indicated the companies were willing to sell consumer information without abiding by FCRA requirements. The test-shopping operation was part of a worldwide privacy protection effort. …
“Dear Steve, I have a medical bill thats on collection that doesn’t belong to me. I tried to dispute but the only one of the credit bureau. Its a medical for a doctor, i never been to. When i call the collection agency, they told me its for a yessenia torres, when she took her …
A tipster (send in your tips here) forwarded to me an article about Thomas Lyons, Esq. in Minnesota who was disbarred in 2010 for filing suits under the Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA). While there is a need for consumers to have recourse in bringing legal suits …
The Federal Trade Commission is proposing revisions to the notices that consumer reporting agencies provide to consumers, and to users and furnishers of credit report information under the Fair Credit Reporting Act (FCRA). The FCRA requires the FTC to publish model notices for several forms that must be provided by consumer reporting agencies. The proposed …