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Personally Identifiable Information Credit Reports

Alston & Bird

Pennsylvania Amends Data Breach Notification Law

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Pennsylvania’s Governor recently approved amendments to the Commonwealth’s data breach notification law, which represent a significant overhaul to the law. As detailed below, the amended law makes a number of material...more

Troutman Pepper

Eleventh Circuit Weighs in on FCRA “Legitimate Business Purpose,” Affirms Dismissal in Favor of Defendant Who Accessed Credit...

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In 2011 and 2013, Peri Domante’s personal information was stolen and fraudulently used to open two accounts with Dish Networks, LLC (“Dish”), a provider of television services. After being alerted to the fraud, Domante sued...more

Hudson Cook, LLP

The Diablo Is in the Customer's Private Details

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A recent complaint filed by the Federal Trade Commission serves as a perfect illustration of why one should not fire off a response to something on social media when angry. The diablo (Spanish for devil) in this article's...more

Ballard Spahr LLP

Student borrower advocacy group urges CFPB to supervise National Student Clearinghouse as CRA “larger participant”

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The Student Borrower Protection Center has sent a letter to CFPB Director Kraninger urging her to designate the National Student Clearinghouse as a “consumer reporting agency,” supervise it as a “larger participant,” and add...more

Goodwin

FTC and CFPB Host Workshop on Consumer Reporting Accuracy

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On December 10, 2019, the Federal Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB) jointly hosted a workshop on accuracy in consumer reporting.  The workshop was divided into four panels and featured a...more

Ballard Spahr LLP

Trade groups respond to motion to dismiss lawsuit challenging Nevada law allowing applicant to rely on spouse’s or former spouse’s...

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The three trade groups challenging an amendment to Nevada law that allows an applicant for credit with no credit history to request that the creditor deem the applicant’s credit history to be identical to that of the...more

Bass, Berry & Sims PLC

Privacy Perils: The Real Threat of Synthetic Identity Fraud

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Synthetic identity fraud (SIF) is a recent phenomenon that scammers have used to circumvent the increasing awareness of traditional identity fraud. Instead of stealing a real person’s identity as with traditional identity...more

Ballard Spahr LLP

Trade groups challenge Nevada law allowing applicant’s reliance on spouse’s or former spouse’s credit report

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On October 1, three trade groups filed a lawsuit in Nevada federal court challenging an amendment to Nevada law that allows an applicant for credit with no credit history to request that the creditor deem the applicant’s...more

Womble Bond Dickinson

Could you spell that for me? Court grapples with FCRA implications of the surname “E”

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In Maria E  v. Experian, 2018 WL 2085221 (E.D. KY Feb 27, 2018), the court examined Experian’s inability to provide a credit report for a plaintiff with the last name “E,” and ultimately found that, because Experian never...more

Sheppard Mullin Richter & Hampton LLP

New Law Allows Consumers Concerned about Identity Theft to Place Free Credit Freezes and Fraud Alerts

The Federal Trade Commission has announced that, beginning today, consumers concerned about identity theft or data breaches can place credit freezes and one year fraud alerts with the three nationwide credit bureaus for free....more

BCLP

Credit Monitoring Services

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Organizations are not generally required to offer services to consumers whose information was involved in a breach. Nonetheless, many organizations choose to offer credit reports (i.e., a list of the open credit accounts...more

Robinson+Cole Data Privacy + Security Insider

Privacy Tip #139 – Update on Removing Your name from Offers of Credit or Insurance and Access to Disclosure Report from NCTUE

Update on Removing Your name from Offers of Credit or Insurance and Access to Disclosure Report from NCTUE Last week’s Privacy Tip touched a nerve with many readers and I received numerous comments and thank you’s from...more

Patterson Belknap Webb & Tyler LLP

The Equifax Breach Continues to Rage

Six months after a massive data breach at credit reporting company Equifax, Inc. handed hackers the personal information of nearly 150 million Americans, the fallout continues. Equifax first disclosed in September that...more

Smith Debnam Narron Drake Saintsing & Myers,...

CFPB Report Reveals Impact Removal Of Public Records Has On Credit Reporting: Did It Make A Difference?

The CFPB recently issued its second Quarterly Consumer Credit Trends Report which examines the impact of changes to credit reporting regarding the reporting of civil public records. ...more

Ballard Spahr LLP

CFPB reportedly puts investigation of Equifax on ice while other government agencies press forward

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Equifax announced on September 7, 2017 a massive data breach affecting an estimated 143 million consumers. Richard Cordray, the then Director of the CFPB, shortly thereafter authorized an investigation according to several...more

Fisher Phillips

Tougher Privacy and Data Security Protections Coming to North Carolina

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A bi-partisan privacy and data security bill, which will significantly impact companies with North Carolina employees, is in the works. North Carolina State Representative Jason Saine (R), Appropriations Chairman of...more

Manatt, Phelps & Phillips, LLP

Equifax Fallout Continues, Spreads Across Industry—and Pond

The fallout from the Equifax data breach continues, reaching other credit reporting companies and all the way across the Atlantic Ocean. What happened - In early September, Equifax disclosed that roughly 145 million...more

Patterson Belknap Webb & Tyler LLP

Equifax Mea Culpa: Too Little, Too Late?

Equifax Inc.’s interim CEO, Paulino do Rego Barros Jr., issued the company’s second public apology this morning for the massive data breach that has affected as many as 143 million U.S. consumers....more

Jones Day

Protecting Your Identity After a Data Breach

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In light of recent high-profile breaches of highly sensitive data, this is a good time to remind individuals of how to protect their identity and credit information....more

Patterson Belknap Webb & Tyler LLP

Equifax Week Two: Hack Headaches Continue

The barrage of bad news for Equifax Inc. keeps getting worse. Here’s a recap of yesterday’s events: ? Mass AG Files Lawsuit – In the first enforcement action filed against Equifax Inc., the Massachusetts Attorney General...more

Patterson Belknap Webb & Tyler LLP

Equifax Data Suppliers Urged by DFS to Give Hack “Highest Degree of Attention”

Yesterday, New York’s top financial regulator asked state-chartered banks and insurers to take immediate precautions to protect consumers and the financial markets “in light of the cybersecurity attack” at Equifax Inc....more

Patterson Belknap Webb & Tyler LLP

Equifax Week Two: It Keeps Getting Worse

The drumbeat of bad news continues for credit monitoring agency Equifax Inc., after its disclosure on September 7th of a massive data breach – compromising Social Security numbers, dates of birth and other personally...more

Bradley Arant Boult Cummings LLP

Legal Implications and Initial Takeaways from the Equifax Data Breach

On September 7, Equifax, one of three nationwide credit-reporting agencies that compile and evaluate the financial history of consumers, announced that it suffered a security breach in which sensitive information of...more

Dickinson Wright

So…Everyone’s Been Compromised? What To Do In The Wake Of The Equifax Breach

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By now, you’ve probably heard that over 143 million records containing highly sensitive personal information have been compromised in the Equifax data breach. With numbers exceeding 40% of the population of the United States...more

Patterson Belknap Webb & Tyler LLP

After Equifax: What Should the Public Do?

As we have discussed in previous posts, Equifax Inc. suffered a cybersecurity breach potentially affecting 143 million individuals in the United States. Although Equifax’s investigation is ongoing, the data at risk includes...more

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