Select any part of the text below to annotate and link to court cases. (Remember to sign in to receive credit for your contributions.)

December 31, 2010 Edition

Export XML

Filter By From To

	Date Filed	Court	Case Number	Title
	10/29/2019	California Northern District Court	3:19-cv-07148	Breja v. JUUL Labs, Inc
	9/17/2019	Ohio Northern District Court	1:19-cv-02146-JRA	Glosser v. AM-PM Employment, LLC et al
	12/31/2018	Texas Western District Court	5:18-cv-01340	Llewellyn, Jr. v. WAL-MART STORES TEXAS, L.L.C.
	12/29/2018	Texas Western District Court	3:18-cv-00396	Perez v. Santander Consumer USA, Inc., d/b/a Santander Auto Finance
	12/20/2018	Illinois Northern District Court	1:18-cv-08349	Rohrbach v. Suntrust Mortage, Inc.
	12/20/2018	Illinois Northern District Court	1:18-cv-08351	McNichol v. Aurora Bank, FSB
	12/19/2018	California Northern District Court	3:18-cv-07609	Garcia v. Payless ShoeSource Inc.
	12/12/2018	Indiana Southern District Court	1:18-cv-03899	LACKS v. TRANS UNION, LLC
	12/11/2018	Texas Western District Court	3:18-cv-00376	Ratliff v. Mesilla Valley Transportation, Inc.
	12/7/2018	California Northern District Court	5:18-cv-07388	v. McGuireWoods LLP
	12/4/2018	District Of Columbia District Court	1:18-cv-02839	STEVENS v. EQUIFAX INFORMATION SERVICES, LLC
	11/29/2018	Minnesota District Court	0:18-cv-03279	Duchateau v. First Advantage Background Services Corp.
	11/28/2018	New York Northern District Court	3:18-cv-01375	Hilgers v. Experian Information Solutions, Inc.
	11/28/2018	Illinois Northern District Court	1:18-cv-07855	Painter v. Quicken Loans Inc.
	11/28/2018	Kentucky Western District Court	3:18-cv-00782	Ratliff v. Capital Accounts, LLC
	11/15/2018	Georgia Northern District Court	1:18-cv-05266	Gabry v. Cross River Bank
	11/13/2018	California Southern District Court	3:18-cv-02585	Machluf v. Equifax Information Services, LLC
	11/13/2018	New York Eastern District Court	1:18-cv-06460	Thomas v. Trans Union, LLC
	11/12/2018	Georgia Southern District Court	1:18-cv-00199	Brown v. Equifax Information Services, LLC
	11/12/2018	Texas Northern District Court	3:18-cv-03016	Sabag v. Equifax Information Services, LLC
	11/7/2018	Georgia Northern District Court	1:18-cv-05141	Hall v. TransUnion Rental Screening Solutions, Inc.
	11/6/2018	California Northern District Court	3:18-cv-06726	Der-Hacopian v. Darktrace, Inc.
	10/30/2018	California Northern District Court	5:18-cv-06602	Paniani Taafua v. Quantum Global Technologies, LLC
	10/30/2018	New York Southern District Court	1:18-cv-10016	Sanders v. Makespace Labs, Inc.
	10/30/2018	California Northern District Court	5:18-cv-06610	Kingsley v. Edible Arrangements, LLC
	10/30/2018	California Northern District Court	5:18-cv-06611	Richard v. The Leland Stanford Junior University
	10/26/2018	Illinois Northern District Court	1:18-cv-07166	West v. Ford Motor Credit Company LLC
	10/16/2018	Florida Southern District Court	0:18-cv-62481	Rehman v. Dania Entertainment Center, LLC
	10/12/2018	Virginia Eastern District Court	3:18-cv-00706	Flinn v. Riverside Federal Credit Union
	10/12/2018	Illinois Northern District Court	1:18-cv-06857	Tatar v. Experian Information Solutions, Inc.
	10/11/2018	New York Eastern District Court	1:18-cv-05684	Stein v. U.S. Department of Education
	10/10/2018	California Eastern District Court	2:18-cv-02731	Forbes v. Servis One, Inc.
	10/3/2018	New York Southern District Court	7:18-cv-09059	Doe v. Accutrace, Inc.
	9/26/2018	Arizona District Court	4:18-cv-00483	Gashi-Doberdoli v. DT Automotive Center Incorporated
	9/21/2018	Wisconsin Western District Court	3:18-cv-00790	Arendt, Adam v. Gundersen Lutheran Health Systems, Inc.
	9/18/2018	Illinois Northern District Court	1:18-cv-06341	Earls v. Chicago Municipal Employees Credit Union
	9/14/2018	California Central District Court	8:18-cv-01674	Pritish Vora v. LVNV Funding, LLC
	9/13/2018	Illinois Northern District Court	1:18-cv-06269	Jacobsen v. Bank of America, N.A.
	9/13/2018	California Central District Court	8:18-cv-01654	Bureau of Consumer Financial Protection v. Future Income Payments, LLC
	9/13/2018	Illinois Northern District Court	1:18-cv-06272	Jacobsen v. Citizens Financial Group, Inc.
	9/13/2018	Illinois Northern District Court	1:18-cv-06260	Jacobsen v. Associated Bank, N.A.
	9/12/2018	Maryland District Court	1:18-cv-02840	Neta v. Barclays Bank Delaware
	9/11/2018	Alabama Southern District Court	1:18-cv-00391	Tanner v. Dovenmuehle Mortgage, Inc.
	9/11/2018	Pennsylvania Eastern District Court	2:18-cv-03881	ESTATE OF JAMES C. RENNICK SR. v. UNIVERSAL CREDIT SERVICES LLC
	9/10/2018	Illinois Northern District Court	1:18-cv-06176	Mansker v. Bank of America, N.A.
	9/6/2018	Colorado District Court	1:18-cv-02291	Blanks v. Machol & Johannes, LLC
	9/5/2018	Delaware District Court	1:18-cv-01378	Dibiase v. Discover Bank
	8/31/2018	Missouri Western District Court	5:18-cv-06131	Perry v. Backgroundchecks.com LLC
	8/31/2018	Missouri Western District Court	6:18-cv-03277	Adams v. Springfield Rentals, LLC
	8/31/2018	Georgia Middle District Court	3:18-cv-00121	KEITH v. EQUIFAX INFORMATION SERVICES LLC

6,494 Rows Total	Page 1 of 130 | Go To

Source

(Pub. L. 90–321, title VI, §602, as added Pub. L. 91–508, title VI, §601, Oct. 26, 1970, 84 Stat. 1128.)

Effective Date of 2003 Amendment

Pub. L. 108–159, §3, Dec. 4, 2003, 117 Stat. 1953, provided that: “Except as otherwise specifically provided in this Act [see Short Title of 2003 Amendment note set out under section 1601 of this title] and the amendments made by this Act— “(1) before the end of the 2-month period beginning on the date of enactment of this Act [Dec. 4, 2003], the Board and the Commission shall jointly prescribe regulations in final form establishing effective dates for each provision of this Act; and “(2) the regulations prescribed under paragraph (1) shall establish effective dates that are as early as possible, while allowing a reasonable time for the implementation of the provisions of this Act, but in no case shall any such effective date be later than 10 months after the date of issuance of such regulations in final form.” [For final rules adopted by Board of Governors of the Federal Reserve System and Federal Trade Commission establishing effective dates for provisions of Pub. L. 108–159, see 68 F.R. 74467 (joint interim final rules) and 69 F.R. 6526 (joint final rules).]

Effective Date

Section 504(d) of Pub. L. 90–321, as added by Pub. L. 91–508, title VI, §602, Oct. 26, 1970, 84 Stat. 1136, provided that: “Title VI [enacting this subchapter] takes effect upon the expiration of one hundred and eighty days following the date of its enactment [Oct. 26, 1970].”

Short Title

This subchapter known as the “Fair Credit Reporting Act”, see Short Title note set out under section 1601 of this title.

Study of Effects of Credit Scores and Credit-Based Insurance Scores on Availability and Affordability of Financial Products

Pub. L. 108–159, title II, §215, Dec. 4, 2003, 117 Stat. 1984, provided that: “(a) Study Required.—The Commission and the Board, in consultation with the Office of Fair Housing and Equal Opportunity of the Department of Housing and Urban Development, shall conduct a study of— “(1) the effects of the use of credit scores and credit-based insurance scores on the availability and affordability of financial products and services, including credit cards, mortgages, auto loans, and property and casualty insurance; “(2) the statistical relationship, utilizing a multivariate analysis that controls for prohibited factors under the Equal Credit Opportunity Act [15 U.S.C. 1691 et seq.] and other known risk factors, between credit scores and credit-based insurance scores and the quantifiable risks and actual losses experienced by businesses; “(3) the extent to which, if any, the use of credit scoring models, credit scores, and credit-based insurance scores impact on the availability and affordability of credit and insurance to the extent information is currently available or is available through proxies, by geography, income, ethnicity, race, color, religion, national origin, age, sex, marital status, and creed, including the extent to which the consideration or lack of consideration of certain factors by credit scoring systems could result in negative or differential treatment of protected classes under the Equal Credit Opportunity Act, and the extent to which, if any, the use of underwriting systems relying on these models could achieve comparable results through the use of factors with less negative impact; and “(4) the extent to which credit scoring systems are used by businesses, the factors considered by such systems, and the effects of variables which are not considered by such systems. “(b) Public Participation.—The Commission shall seek public input about the prescribed methodology and research design of the study described in subsection (a), including from relevant Federal regulators, State insurance regulators, community, civil rights, consumer, and housing groups. “(c) Report Required.— “(1) In general.—Before the end of the 24-month period beginning on the date of enactment of this Act [Dec. 4, 2003], the Commission shall submit a detailed report on the study conducted pursuant to subsection (a) to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate. “(2) Contents of report.—The report submitted under paragraph (1) shall include the findings and conclusions of the Commission, recommendations to address specific areas of concerns addressed in the study, and recommendations for legislative or administrative action that the Commission may determine to be necessary to ensure that credit and credit-based insurance scores are used appropriately and fairly to avoid negative effects.”

FTC Study of Issues Relating to the Fair Credit Reporting Act

Pub. L. 108–159, title III, §318, Dec. 4, 2003, 117 Stat. 1998, provided that: “(a) Study Required.— “(1) In general.—The Commission shall conduct a study on ways to improve the operation of the Fair Credit Reporting Act [15 U.S.C. 1681 et seq.]. “(2) Areas for study.—In conducting the study under paragraph (1), the Commission shall review— “(A) the efficacy of increasing the number of points of identifying information that a credit reporting agency is required to match to ensure that a consumer is the correct individual to whom a consumer report relates before releasing a consumer report to a user, including— “(i) the extent to which requiring additional points of such identifying information to match would—      “(I) enhance the accuracy of credit reports; and      “(II) combat the provision of incorrect consumer reports to users; “(ii) the extent to which requiring an exact match of the first and last name, social security number, and address and ZIP Code of the consumer would enhance the likelihood of increasing credit report accuracy; and “(iii) the effects of allowing consumer reporting agencies to use partial matches of social security numbers and name recognition software on the accuracy of credit reports; “(B) requiring notification to consumers when negative information has been added to their credit reports, including— “(i) the potential impact of such notification on the ability of consumers to identify errors on their credit reports; and “(ii) the potential impact of such notification on the ability of consumers to remove fraudulent information from their credit reports; “(C) the effects of requiring that a consumer who has experienced an adverse action based on a credit report receives a copy of the same credit report that the creditor relied on in taking the adverse action, including— “(i) the extent to which providing such reports to consumers would increase the ability of consumers to identify errors in their credit reports; and “(ii) the extent to which providing such reports to consumers would increase the ability of consumers to remove fraudulent information from their credit reports; “(D) any common financial transactions that are not generally reported to the consumer reporting agencies, but would provide useful information in determining the credit worthiness of consumers; and “(E) any actions that might be taken within a voluntary reporting system to encourage the reporting of the types of transactions described in subparagraph (D). “(3) Costs and benefits.—With respect to each area of study described in paragraph (2), the Commission shall consider the extent to which such requirements would benefit consumers, balanced against the cost of implementing such provisions. “(b) Report Required.—Not later than 1 year after the date of enactment of this Act [Dec. 4, 2003], the chairman of the Commission shall submit a report to the Committee on Banking, Housing, and Urban Affairs of the Senate and the Committee on Financial Services of the House of Representatives containing a detailed summary of the findings and conclusions of the study under this section, together with such recommendations for legislative or administrative actions as may be appropriate.”

FTC Study of the Accuracy of Consumer Reports

Pub. L. 108–159, title III, §319, Dec. 4, 2003, 117 Stat. 1999, provided that: “(a) Study Required.—Until the final report is submitted under subsection (b)(2), the Commission shall conduct an ongoing study of the accuracy and completeness of information contained in consumer reports prepared or maintained by consumer reporting agencies and methods for improving the accuracy and completeness of such information. “(b) Biennial Reports Required.— “(1) Interim reports.—The Commission shall submit an interim report to the Congress on the study conducted under subsection (a) at the end of the 1-year period beginning on the date of enactment of this Act [Dec. 4, 2003] and biennially thereafter for 8 years. “(2) Final report.—The Commission shall submit a final report to the Congress on the study conducted under subsection (a) at the end of the 2-year period beginning on the date on which the final interim report is submitted to the Congress under paragraph (1). “(3) Contents.—Each report submitted under this subsection shall contain a detailed summary of the findings and conclusions of the Commission with respect to the study required under subsection (a) and such recommendations for legislative and administrative action as the Commission may determine to be appropriate.”

Definitions

Pub. L. 108–159, §2, Dec. 4, 2003, 117 Stat. 1953, provided that: “As used in this Act [see Short Title of 2003 Amendment note set out under section 1601 of this title]— “(1) the term ‘Board’ means the Board of Governors of the Federal Reserve System; “(2) the term ‘Commission’, other than as used in title V [20 U.S.C. 9701 et seq.], means the Federal Trade Commission; “(3) the terms ‘consumer’, ‘consumer report’, ‘consumer reporting agency’, ‘creditor’, ‘Federal banking agencies’, and ‘financial institution’ have the same meanings as in section 603 of the Fair Credit Reporting Act [15 U.S.C. 1681a], as amended by this Act; and “(4) the term ‘affiliates’ means persons that are related by common ownership or affiliated by corporate control.”

Sorry, this feature requires a PlainSite Pro or Pro Se subscription.