CFPB

This is a 2015 stipulated judgment and order in a matter in a Massachusetts federal court concerning the CFPB’s action against a debt collector’s handling of consumer disputes.

This July 19, 2011, CFPB report to Congress examines the differences between those credit scores received by consumers and those used by creditors, that may have various adverse impacts on consumers. This report provides context for understanding these issues by describing the industry as a whole, important industry players, and the complexity of the credit scoring process. It then examines the ways credit scores are obtained and used, and discusses how the differences between the scores provided to creditors and those provided to consumers could disadvantage consumers.

This is a 2015 CFPB consent order with a major debt buyer that relates in part to the debt buyer’s handling of consumer disputes.

This is a 2015 CFPB consent order involving a medical debt collector that failed to respond within 30 days to consumer disputes about the information it furnished to CRAs and failed provide consumers with a "debt validation notice."

This is one of three CFPB October 1, 2012, consent orders involving various American Express entities.  This one involves various violations of other laws and also for a FCRA violation for failing to report certain consumer disputes to CRAs.

This is a 2015 CFPB consent order involving a reseller of consumer reports for obtaining information without a permissible purpose and failing to properly investigate consumer disputes and by impermissibly pre-conditioning investigations on receipt of documentation from consumers.

This is CFPB Bulletin 2012-09 (Nov. 29, 2012) concerning the FCRA and Reg.

This is a 2015 CFPB consent order with an employment screening CRA that failed to use reasonable procedures to produce maximum possible accuracy, violated the FCRA in reporting public record information, and failed to exclude non-reportable information.

This is a 2017 CFPB consent order with Equifax involving Equifax deceptively marketing credit scores to consumers by misrepresenting that the credit scores were the same credit scores lenders use to determine creditworthiness, and that the credit scores were free.

This is a 2017 CFPB consent order with Equifax involving Equifax deceptively marketing credit scores to consumers by misrepresenting that the credit scores were the same credit scores lenders use to determine creditworthiness, that the credit scores were free, and by placing advertisements for its products on web pages that consumers accessed through AnnualCreditReport.com before they obtained their free annual file disclosures.