FDCPA Violations and Illegal Debt Collection Practices

Get a clear, driver-focused guide to Lyft background checks: how they work, why delays and errors happen, and what to do if a mistake costs you work. Learn how to dispute false information and protect your rights under the FCRA.

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.

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.

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 PLLC.