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The Federal Trade Commission is sending notices to more than 9,000 people that they may be eligible for compensation stemming from the Commission’s settlement with home security company Vivint Smart Home, Inc. over charges that the company misused credit reports to help customers to obtain financing.

Vivint Settlement InfographicVivint violated the Fair Credit Reporting Act (FCRA) by misusing credit reports in order to qualify potential customers for financing for its smart home monitoring and security products, according to the FTC’s previously announced complaint.

The FTC charged that when a potential customer failed the initial credit check, Vivint’s sales representatives sometimes got approval for financing for unqualified customers by using the credit history of another person with a similar name or adding a friend or relative of the customer as cosigner without their permission. If customers who qualified using these deceptive tactics later defaulted on their loans, Vivint referred the innocent third party to debt collectors, potentially harming that consumer’s credit. After hearing from these debt collectors, many consumers whose credit reports were misused by Vivint sales representatives complained to the FTC that they were victims of identity theft.

Under the settlement, Vivint agreed to pay a total of $20 million in civil penalties and consumer compensation, of which more than $4.7 million will be available for the claims process. The FTC also required Vivint to establish a Customer Service Task Force to assist consumers that were victims of the scheme.

Most consumer will be contacted by mail and about 1,400 will be contacted by email. Consumers will have until October 9, 2023 to submit a claim. More information can be found at Consumers who have questions about the claims process can contact the claims administrator at 1-833-472-1996 or by email at

The Commission’s interactive dashboards for refund data provide a state-by-state breakdown of refunds in FTC cases. In 2022, Commission actions led to more than $392 million in refunds to consumers across the country.

The Federal Trade Commission works to promote competition and protect and educate consumers.  The FTC will never demand money, make threats, tell you to transfer money, or promise you a prize. Learn more about consumer topics at, or report fraud, scams, and bad business practices at Follow the FTC on social media, read consumer alerts and the business blog, and sign up to get the latest FTC news and alerts.

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