Claims

Question 1

1681 b (b) 2

Answer 1

Class claim against Employers for failure to obtain permission from the client to run a background check.

Question 2

1681 b (b) 3

Answer 2

Claim against employers for failure to provide a pre-adverse action notice and for failure to provide a copy of the Report and FCRA summary of rights at least five days before an adverse action is taken in whole or in part on a consumer report.

Question 3

1681 c. (a).(1)

Answer 3

Claim against CRA for reporting bankruptcies for more than 10 years.

Question 4

1681 c.(a).(4)

Answer 4

Claim against CRAs for reporting collections or charge-off accounts for more than 7 years.

Question 5

1681 c.(a).(2) or (5)

Answer 5

Claim against the CRA for reporting dimissed charges for more than 7 years.

Question 6

1681 e.(b)

Answer 6

Claim against the CRA for failure to assure maximum possible accuracy of the information concerning the individual when a report is published.

Question 7

1681 d.d.(3)

Answer 7

Claim against the CRA for failure to provide notice to the consumer that a report with public record info has been provide to an employer or failure to imply strict procedures to ensure that the information is up to date when the report is generated.

Question 8

1681 i.

Answer 8

Claim against the CRA for failure to conduct a reasonable investigation into the dispute of the client and update the information of the report accordingly.

Question 9

1681 k.

Answer 9

Class claim against CRAs for failure to provide notice that a report with public record info has been provided to an employer or failure to imply strict procedures to ensure the information is up to date when th ereport is generated.

Question 10

1681 s2. (a). 1 (A).

Answer 10

Claim against Furnishers for furnishing information relating to a consumer to any CRA if the person knows or has any reasonable cause to believe that the information is inaccurate.

Question 11

1681 s2.(a).1(B)

Answer 11

Claim against Furnishers for furnishing information relating to a consumer to any CRA if the person has been notified by the consumer at the address specified by the person for such notices, that specific information is inaccurate and the information is in fact inaccurate.

Question 12

1681 s2(b).

Answer 12

Claim against furnishers for failure to modify , delete, or permanently block the disputed information if it determined to be incomplete, inaccurate or unverifiable.

Question 13

1691 c (a) 1

Answer 13

Claim against the collection agency for placing calls at any unusual time or a time and place which should be known to be inconvenient to the consumer.

Question 14

1692 c (b)

Answer 14

Claim agains the collection agency for communicating in connection with the collection of any debt, with any person other than the consumer, a consumer reporting agency if otherwise permitted by law, creditor, the attorney of the creditor or the attorney of th edebt collector or the express permission of competent jurisdiction. Here, “consumer” can be: spouse, parrent, guardian, executor or administrator.

Question 15

1692 c (c)

Answer 15

Claim against the collection agency for failure to cease further communication with the consumer after the receipt of a written request to cease communication with some exceptions:
1. to advise the consumer that the debt collector’s are being terminated.
2. to notify the consumer that the debt collector or creditor may invoke may invoke specified remedies which are ordinarily invoked by such debt collectors or creditors.
3. to notify the consumer that the debt collectors or creditors intend to invoke a specified remedy.

Question 16

1692 d (5)

Answer 16

Claim against the collection agency for colling the consumer more than 7 times within a period of 7 days.

Question 17

1692 e (2)

Answer 17

Claim against the collection agency for falsely representing the character, amount or legal status of any debt.

Question 18

1692 e (8)

Answer 18

Claim against the Collection Agency or communicating or threatening to communicate to any person, credit information which is known to be false, including the failure to communicate that a disputed date is disputed.

Question 19

1692 e (10)

Answer 19

Claim agains the Collection Agency for the use of any false representation or deceptive means to collect or attempt to collect a debt.

Question 20

1692 e (11)

Answer 20

Claim against the Collection Agency for the failure to disclose the initial communication with the consumer that the debt collector is attempting to collect a debt and that the communication is from a debt collector.

Question 21

1692 f (1)

Answer 21

Claim against the Collection Agency for the collection of any amount (inlcuding any interest, fee, charge or expense incidental to the principal obligation unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

Question 22

1692 g (a)

Answer 22

Claim against the Collection Agency for:
1. Failure to put a date on the collection letter.
2. Failure to indicate the name of the creditor on the initial collection letter unless they send this in another communication within 5 days after the initial one.

Question 23

1692 g (b)

Answer 23

Claim against the Collection Agency for:
1. Failure to send a proper verification of a debt ( the verification that they send contains a different account number than the one on the original account number or any other information that might make the consumer believe that the debt doesn’t belong to him)
2. Contacting the client in an attempt to collect the debt after receiving a “30-day” notice.