Tag: Credit Reporting

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Testifying before a House Oversight and Reform Subcommittee, the Federal Trade Commission described its role in overseeing the data security practices of consumer reporting agencies (CRAs).
Looking to take a deep dive into the breadth and depth of the FTC’s approach to consumer privacy and data security in the past year? The FTC’s website, including the Business Center, has what you need. But what if you or your clients prefer an at-your-fingertips digest of developments...
Steely Dan may be one of the best duos of the rock era. (Sorry, Donnie and Marie fans.) Their song “Hey Nineteen” reminds us to mention some FTC consumer protection developments that could be of interest to your company or clients in 2019. As “Any Major Dude Will Tell You,” when you’...
The Federal Trade Commission is seeking comment on a proposed rule to implement a 2018 law requiring the nationwide consumer reporting agencies to provide free electronic credit monitoring services for active duty military consumers.
When people are looking to rent a house or apartment, the most important “screening” isn’t on the windows of the prospective new place. It’s the tenant background screening that goes on behind the scenes, the results of which can make the difference between home sweet home and...
A Texas company has agreed to pay $3 million to settle Federal Trade Commission charges that the company failed to take reasonable steps to ensure the accuracy of tenant screening information that it provided to landlords and property managers, a violation of federal law that caused some potential...
Thanks to a new federal law, free credit freezes and year-long fraud alerts are here, starting September 21st. What does that mean for your customers and employees? Free credit freezesSecurity freezes, also known as credit freezes, restrict access to a consumer’s credit file, making...
Starting today, consumers who are concerned about identity theft or data breaches can freeze their credit and place one-year fraud alerts for free.Under the new Economic Growth, Regulatory Relief, and Consumer Protection Act, consumers in some states – those who previously had to pay fees to freeze...
Food experts don’t recommend it for your ground chuck or pork shoulder, but starting September 21, 2018, there’s something consumers can safely freeze, unfreeze, and then freeze again.It’s their credit file.
The scheme started with a Craigslist ad for a rental property and ended with a $5.2 million judgment for violations of the FTC Act, the Restore Online Shoppers’ Confidence Act, the Fair Credit Reporting Act, and the Free Annual File Disclosures Rule.
So you’ve received a Civil Investigative Demand (CID) from the Federal Trade Commission related to a consumer protection matter. Now what? We appreciate that it can be daunting for any company – especially a small business – and we want to be as transparent as possible about the...
After the Equifax data breach, some people are considering placing a fraud alert, freeze, or lock on their credit file to help prevent identity thieves from opening new accounts in their name.To help consumers decide on a course of action, a Federal Trade Commission blog post, Fraud alert, freeze...
There’s been a lot of talk about identity theft lately. Maybe you’ve even heard from customers affected by it. Your help can make a big difference. In fact, did you know that your business is required to provide identity theft victims with copies of records relating to the theft...
After the Equifax breach, your customers, clients, and employees may be coming to you with questions. Some people are considering placing a fraud alert on their credit file. Others are thinking about freezing or locking their credit files to help prevent identity thieves from opening...
UPDATE: As of September 21, 2018, the law says credit freezes are free for everyone, and alerts now last one year (not 90 days). Read more here.
It’s the thread that connects Alexandre Dumas’ The Man in the Iron Mask, the title character in The Talented Mr. Ripley, Don Draper’s back story in Mad Men – and an event scheduled for May 24, 2017, at the FTC.It’s identity theft.

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