Articles from Meir Rubinov

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Spark driver sitting in his car looking at phone after account deactivation due to background check error, representing lost gig work income and how to get back on the road.
Spark Driver Account Deactivated: What Really Happens, Why It Happens, and How to Get Back On the Road
Deactivated by Spark without warning? This guide explains why it happens, how to fix background check mistakes, and what your rights are under the FCRA.
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Abstract architectural columns and blueprint-style lines representing the statutory structure of furnisher duties under 15 U.S.C. §1681s-2(b).
The Statutory Architecture of Furnisher Duties Under 15 U.S.C. § 1681s-2(b)
An in-depth examination of the statutory architecture of 15 U.S.C. § 1681s-2(b), focusing on the notice trigger, the role of consumer reporting agencies, and the mandatory duties imposed on furnishers. By Consumer Attorneys.
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Split visual of a stack of documents transitioning from dark and blurred to clear and organized, illustrating the Fair Credit Reporting Act’s “complete and up-to-date” accuracy standard for public record information under §1681k(a)(2).
The FCRA’s ‘Complete and Up to Date’ Standard Under § 1681k(a)(2): A True Accuracy Mandate
This article examines the FCRA’s “complete and up to date” requirement under §1681k(a)(2), tracing its legislative history, statutory meaning, and heightened accuracy obligations for public record information used in employment decisions.
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Abstract digital visualization of legal documents and data streams, illustrating how sworn identity theft statements interact with consumer reporting systems under the Fair Credit Reporting Act.
Sworn Truth, Ignored: How Reyes v. Equifax Undermines Identity Theft Protections and Misreads the FCRA
In Reyes v. Equifax, the Fifth Circuit affirmed summary judgment for Equifax, ruling that a consumer reporting agency isn’t required to delete accurate tradelines even when identity theft is alleged. This article examines the court’s logic, statutory framework in the Fair Credit Reporting Act, and the implications for consumer rights and identity-theft protections.
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Blurred silhouette of a person standing in the background with a stack of documents in the foreground, symbolizing legal records and the recognition of emotional distress as actual damages under the Electronic Fund Transfer Act.
“Actual Damages” Under the EFTA Include Emotional Distress
The Electronic Fund Transfer Act (EFTA) empowers consumers to recover “actual damages” for violations of its provisions. Because “actual damages” isn’t limited by statute to just economic loss, courts have recognized that non-economic harms like emotional distress may be compensable. Learn how this interpretation strengthens consumer rights and what it could mean for your case with Consumer Attorneys.
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Abstract layered illustration of a credit report interface with data panels, charts, and digital elements, representing how credit information is compiled, analyzed, and how inaccuracies can affect consumers’ lives.
Inaccurate Credit Reports: How Common Errors Shape Consumers’ Lives
Credit reports quietly shape access to loans, housing, jobs, and insurance. Drawing on decades of government and consumer research, this article examines how common credit report errors really are, why they persist, and how inaccurate data continues to harm consumers’ lives.
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Abstract digital flowchart over a person using a laptop, illustrating how consumer data is collected, processed, and analyzed to form a consumer report under the Fair Credit Reporting Act.
The Consumer Report: A Sequential Analysis of the FCRA Definition
What makes information a “consumer report” under the FCRA? This article breaks down the statute step by step, showing how purpose and use transform data into a regulated consumer report.
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Abstract digital panels representing data and information flows, illustrating the concept of consumer reporting agencies and how consumer information is assembled and analyzed under the FCRA.
What Is a Consumer Reporting Agency? A Comprehensive Analytical Treatment
Learn about how the FCRA defines consumer reporting agencies and why function, not labels or disclaimers, determines coverage.
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What Furnishers Must Do Under § 1681s-2(b) of the FCRA – Fourth Circuit Explains
FCRA Investigations and the Fourth Circuit: What Roberts v. Carter-Young Really Means
The Fourth Circuit’s Take on FCRA Investigations: Why the “Objectively and Readily Verifiable” Standard Should Not Undermine § 1681s-2(b)
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Blog Spotlight

What Does Uber Look For in a Background Check?
14 Aug, 2026
Daniel Cohen
What Does Uber Look For in a Background Check?
Signing up to drive or deliver with Uber means waiting for a background check before you can start working and, thus, earning. Uber uses third-party screening providers, including Checkr, HireRight, and Samba Safety, with Samba often involved in motor vehicle records. This guide explains what the Uber background check covers, how long it usually takes, which records may disqualify you, how Uber Eats checks differ, and where to look when your status seems stuck.
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9 min
Failed an Uber Background Check or Lost Your Account? Here’s What to Do
13 Aug, 2026
Daniel Cohen
Failed an Uber Background Check or Lost Your Account? Here’s What to Do
Learn why rideshare background check errors happen and how to dispute them under the FCRA.
2563
5 min
appfolio tenant screening
5 Aug, 2026
Daniel Cohen
AppFolio Dispute After a Housing Denial: How to Fix Screening Errors and Protect Your Record
If your rental application was denied or marked "failed" after an AppFolio background check, you may have the right to file an AppFolio dispute. Errors in tenant screening reports can include incorrect credit data, criminal records belonging to someone else, or outdated eviction filings.
3040
15 min
How to Report Identity Theft: Where to File Every Report
3 Aug, 2026
Moshe Boroosan
How to Report Identity Theft: Where to File Every Report
When someone uses your identity, it can be hard to know who you need to notify first. Start by filing an identity theft report with the FTC at IdentityTheft.gov, then contact the bank or card issuer involved and one of the three credit bureaus for a fraud alert. Depending on what happened, you may also need to involve the police, SSA, IRS, or FBI.
1273
11 min
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