New Credit Reporting Related Congressional Hearings
Congress has recently conducted hearings on changes to certain banking regulations that could impact the liability Equifax, Experian, and TransUnion under the...Read More
Accuracy Defined Under the FCRA
The Fair Credit Reporting Act requires Credit Reporting Agencies (i.e. Equifax, Experian, and TransUnion) requires that CRAs utilize reasonable procedures to ensure...Read More
Robocalls on the Rise
Robocalls are on the rise across the nation: These unwanted calls have become a widespread problem over the years, and they’re only...Read More
Debt Verification Responses under the FDCPA
We posted yesterday on the NCLC’s debt verification letter recommendations. Now we turn to the question of what debt collectors must provide...Read More
NCLC Debt Collection Verification and Dispute Letter Templates
The National Consumer Law Center has published a new article on stopping debt collector harassment on alleged debt claims. It includes two useful...Read More
Texas Breach of the Peace Repossession
Lenders and repossession companies can only take a vehicle if they do so without causing a breach of the peace. This is...Read More
CFPB reports on debt collection complaints
The Consumer Financial Protection Bureau released its debt collection annual report and one statistic sticks out as especially troublesome. The report states, “In...Read More
NCLC Advice on Wage Garnishment and Bank Account Seizure
The National Consumer Law Center has published a new article advising consumers on wage garnishment and bank account seizures. This topic is especially...Read More
What To Do When Another Person’s Information On Your Credit Report
A mixed filed is when credit information from one person in incorrectly placed in the credit file of another person. For instance,...Read More
Consumers Sue Equifax for Data Breach
Consumers are starting to sue Equifax in small claims court for the recent data breach: A librarian from Vermont took the credit-reporting...Read More