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When a Background Check Reports a Criminal Record That Isn’t Yours
By The Kim Law Firm, LLC Background checks are a routine part of an employer’s hiring decision. Most applicants do
LVNV’s Collection Attempt on a Time Barred Debt was a Violation of the FDCPA.
By The Kim Law Firm, LLC A “time barred debt” is a debt that was not paid which a creditor
How Long Does a Collection Account Stay on a Credit Report?
By The Kim Law Firm, LLC Short answer: A collection account can stay on your credit report for seven years
Debt Buyers Who Outsource Debt Collection Activities Cannot Sidestep the FDCPA
By The Kim Law Firm, LLC The Fair Debt Collection Practices Act (“FDCPA”) protects consumers against the harassing and oppressive
How Long You Have to Sue Over a Credit Report or Collection Error
By The Kim Law Firm, LLC Two federal laws cover most credit report and collection errors: the Fair Credit Reporting
Capital One Conducted Credit Inquiries and Obtained Credit Reports without Permission
By The Kim Law Firm, LLC Credit reports contain personal and sensitive information. This fact is not only understood as
The California Consumer Privacy Act
By The Kim Law Firm, LLC On January 1, 2020, the California Consumer Privacy Act (“CCPA”) went into effect. The
Credit Reporting Bill Passes House
By The Kim Law Firm, LLC Senate Bill 1581 was introduced to amend the Fair Credit Reporting Act (“FCRA”). This
JP Morgan Violated the FCRA by Pulling Credit Reports for Litigation
By The Kim Law Firm, LLC There are only a limited number of circumstances under which a credit pull (or
Experian Forgot to Do What it Said it Would Do
By The Kim Law Firm, LLC The Ninth Circuit recently reversed the determination of a district court that granted summary
Comcast Still Pulled Consumer Credit Reports Even though it Said it Would Not
By The Kim Law Firm, LLC Only under certain circumstances can a business obtain the credit report of an individual.
Lenders are Looking to Phone Data to Check Consumer Creditworthiness – Does This Violate the FCRA?
By The Kim Law Firm, LLC Millions of people around the world use their cell phones to accomplish everything they
Disclosure of Your Credit Information Under the FCRA – Understanding Your Rights
By The Kim Law Firm, LLC Consumer information is personal and sensitive. The Fair Credit Reporting Act (“FCRA”) provides consumers
How Long Does Adverse Information Remain on My Credit Report?
By The Kim Law Firm, LLC Credit reports are an important tool that credit lenders use to determine if a
Denied an Apartment Over a Tenant Screening Report? Your FCRA Rights
By The Kim Law Firm, LLC If your rental application was denied, the decision was probably driven by a tenant
The FCRA and Your Free Credit Reports – What You Should Know as a Consumer
By The Kim Law Firm, LLC Consumers are entitled to a free credit report each year that is generated by
Credit Report vs. Consumer Report: What’s the Difference?
By The Kim Law Firm, LLC In short: a consumer credit report is the file a credit bureau keeps about
The Fair Credit Reporting Act (FCRA) FAQs
By The Kim Law Firm, LLC Many consumers do not know that the Fair Credit Reporting Act (“FCRA”) protects their
Background Check Disclosure Lawsuit – Did Employer Violate the FCRA?
By The Kim Law Firm, LLC Given advances in technology, it is become common place for many consent forms and
Dish Network Settles FCRA Class Action Lawsuit for $1.75 Million
By The Kim Law Firm, LLC Many employers require potential employees to undergo a background check. Background checks include information
Wells Fargo Fined for Its Illegal Student Loan Practices and for Reporting False Credit Information
By The Kim Law Firm, LLC The cost to attend college has skyrocketed, and Wells Fargo Bank, N.A. (“Wells Fargo”