Fair Credit Reporting
Credit Bureaus, Tenant Screening, Background Checks, and Other Reports
Credit and consumer reporting is one of today’s most active areas of consumer litigation, involving individual and class cases against the Big Three credit bureaus, tenant screening agencies, background check companies, and furnishers and users of consumer reports. Credit and consumer report errors can cause significant injury to a consumer’s access to credit, employment, residential rentals, and insurance.
For forty years, NCLC's Fair Credit Reporting has been the leading treatise on credit reporting litigation. This tenth edition and its continuous digital updates keep practitioners current with the latest U.S. Supreme Court rulings, CFPB interpretations, federal and state legislative changes, government enforcement actions, caselaw developments, and changes to industry practices.
Guidance from the Experts:
- Who must comply with the Fair Credit Reporting Act—you will be surprised!
- Consumer reporting agency accuracy requirements, and their application to tenant screening and background check companies
- Information that cannot be reported; obsolete information
- Consumer dispute rights as to inaccurate information
- Identity theft rights, security freezes, fraud alerts and identity theft blocks
- Credit scores, consumers' access to their reporting file, and how to read the file
- Creditor and other furnisher responsibility to correct inaccurate information
- Limits on accessing consumer reports and permissible purposes for using them
- Under-utilized potential of state credit reporting law
- Privacy rights and Gramm-Leach-Blilely
- Credit Repair Organizations Act application to more than just credit repair
- Investigative reports
- Advising clients about their credit record.
- Sample pleadings and discovery. See an example here.
"NCLC's Fair Credit Reporting and other manuals are the best and most comprehensive resources in the marketplace for a consumer lawyers and comparatively inexpensive to boot. They are held in such high esteem that opposing counsel show up in court with them!"
— Joanne Faulkner, Attorney at Law, New Haven, CT
"The NCLC treatises are like having an expert by your side." — Scott D. Owens, Esq., Law Offices of Scott D. Owens, Hallandale, FL