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Displaying 1 - 50 of 174
Case: Vivint Smart Home, Inc.
Smart home security and monitoring company Vivint Smart Homes Inc. has agreed to pay $20 million to settle Federal Trade Commission allegations that the Utah-based firm misused credit reports to help unqualified customers obtain financing for the company’s products and services.
Case: AppFolio, Inc.
AppFolio will pay $4.25 million as part of a settlement with the FTC over allegations the firm failed to follow reasonable procedures to ensure the accuracy of its reports about potential tenants.
The Federal Trade Commission has taken action against a debt collection company that allegedly placed bogus or highly questionable debts onto consumers’ credit reports to coerce them to pay the debts. Under a settlement with the FTC, the company, Midwest Recovery Systems (Midwest Recovery), is...
Case: MyLife.com, Inc.
The Department of Justice on behalf of the Federal Trade Commission sued MyLife.com, Inc. and its CEO Jeffrey Tinsley over allegations they deceived consumers with “teaser background reports” that often falsely claimed to include information about arrest, criminal, and sex offender records, and...
Kohl’s Department Stores, Inc. agreed to pay a civil penalty of $220,000 to settle Federal Trade Commission allegations that the retailer violated the Fair Credit Reporting Act by refusing to provide complete records of transactions to consumers whose personal information was used by identity...
A federal judge has ordered Credit Bureau Center, LLC and its owner, Michael Brown, to pay more than $5.2 million to return to consumers, to resolve FTC charges that they deceived people with fake rental property ads and deceptive promises of “free” credit reports, and then tricked them into...
Case: BoostMyScore LLC
A Colorado-based credit repair company and its owner have agreed to settle Federal Trade Commission charges they misled consumers with promises to “drastically and immediately” improve credit scores and increase access to lower rates on mortgages.
Mortgage Solutions FCS, doing business as Mount Diablo Lending, and Ramon Walker agreed to pay $120,000 to settle Federal Trade Commission allegations that it violated the Fair Credit Reporting Act and other laws by revealing personal information about consumers in response to negative reviews...
Public Event: Accuracy in Consumer Reporting Workshop
September 10, 2019
The Federal Trade Commission and the Consumer Financial Protection Bureau (CFPB) hosted a public workshop on December 10, 2019 to discuss issues affecting the accuracy of both traditional credit reports and employment and tenant background screening reports. Since the FTC released its 2012 study on...
In March 2018, the FTC filed a complaint and motion for preliminary injunction alleging that Alliance Security Inc., a home security installation company, and its founder, directly and through its authorized telemarketers, called millions of consumers whose numbers are on the National Do Not Call (...
Case: Equifax, Inc.
Equifax, Inc. agreed to pay at least $575 million, and potentially up to $700 million, as part of a global settlement with the Federal Trade Commission, the Consumer Financial Protection Bureau (CFPB), and 50 U.S. states and territories to settle allegations that the credit reporting company's...
Rule Summary: The Fair Credit Reporting Act: Affiliate Marketing
Rule Summary: The Fair Credit Reporting Act: Risk-Based Pricing Rule
Case: RealPage, Inc.
Closing Letter: California Health & Wellness
September 8, 2015
Public Statement: Comment Filed By Jessica Rich, Discussing How Developments In "Big Data" Affect Consumer Privacy and the Interests Reflected in the Administration's Consumer Privacy Bill of Rights
Type of Public Statement:
An overview of the FTC’s enforcement, policy initiatives, and consumer outreach and business guidance in the areas of privacy and data security, from January 2013-March 2014.
Press Release: FTC to Examine Effects of Big Data on Low Income and Underserved Consumers at September Workshop
The Federal Trade Commission will host a public workshop entitled “Big Data: A Tool for Inclusion or Exclusion?” in Washington on Sept. 15, 2014, to further explore the use of “big data” and its impact on American consumers, including low income and underserved consumers. “A growing number of...
Case: Instant Checkmate, Inc.
Public Event: Spring Privacy Series: Alternative Scoring Products
March 19, 2014
On March 19, 2014, the Federal Trade Commission staff hosted a seminar on Alternative Scoring Products. The speakers described a variety of predictive analytics products offered by many data brokers to predict trends and consumer behavior in a variety of contexts, ranging from identity verification...
Case: TeleCheck Services, Inc.
Case: Time Warner Cable Inc.
Amicus Brief: Moran v. The Screening Pros LLC
Brief of Consumer Financial Protection Bureau and Federal Trade Commission as amici curiae before the United States Court of Appeals for the Ninth Circuit, addressing the question of how long, under the Fair Credit Reporting Act (FCRA), a consumer reporting agency can report certain negative...
Public Event: Life of a Debt: Data Integrity in Debt Collection
June 6, 2013
The Federal Trade Commission and the Consumer Financial Protection Bureau will host a joint roundtable on June 6, 2013, to examine the flow of consumer data throughout the debt collection process. The event will bring together consumer advocates, credit issuers, collection industry members, state...
The Federal Trade Commission sent letters to ten data broker companies warning that their practices could violate the Fair Credit Reporting Act (FCRA) after a test-shopping operation by the FTC indicated the companies were willing to sell consumer information without abiding by FCRA requirements...
Press Release: FTC Warns Data Brokers That Provide Tenant Rental Histories They May Be Subject to Fair Credit Reporting Act
The Federal Trade Commission has warned the operators of six websites that share information about consumers’ rental histories with landlords that they may be subject to the requirements of the Fair Credit Reporting Act (FCRA). The letters inform the recipients that if they meet certain criteria,...
Closing Letter: LexisNexis Risk Solutions
March 19, 2013
Press Release: Marketers of Criminal Background Screening ReportsTo Settle FTC Charges They Violated Fair Credit Reporting Act
An enterprise that compiled and sold criminal record reports has agreed to settle Federal Trade Commission charges that it operated as a consumer reporting agency without taking consumer protection measures required by the Fair Credit Reporting Act (FCRA). The FTC’s settlement order , which...
Rule Summary: The Fair Credit Reporting Act: Identity Theft Rules
Report: Section 319 of the Fair and Accurate Credit Transactions Act of 2003: Fifth Interim Federal Trade Commission Report to Congress Concerning the Accuracy of Information in Credit Reports
This study examines accuracy in consumer credit reports using a nationally representative sample of consumers with credit histories. Participants in the study examined their credit reports from the three national credit reporting agencies and identified potentially material errors. Participants...
Case: Spokeo, Inc.
Press Release: FTC Joins Department of Justice and Consumer Financial Protection Bureau in Filing Brief Supporting the Constitutionality of the Fair Credit Reporting Act
The Federal Trade Commission has joined the Department of Justice and the Consumer Financial Protection Bureau in filing a memorandum brief in support of the constitutionality of the Fair Credit Reporting Act (FCRA) , the 1970 law that is designed to protect the privacy of credit report information...
Rule Summary: Free Credit Report Rule