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General Discussions, Forum Registration, and ID Theft and Credit-Related News Stories
 Forum   Topics   Posts   Last Post 
No new posts General Discussion
You can post general comments and questions here. We also strongly encourage you to read the folder topics below and read the informational postings in each folder. You are also encouraged to post questions in the other folders as well. Do not be afraid to post questions or information. There are no "stupid" questions and topic-related information is always welcome. Do not spam our site as we will remove it and block your IP, email address and possibly pursue legal action against you.
   
1042 2168 Tue Mar 16, 2010 5:44 pm
Administrator View latest post
No new posts How To Register For the Forum

   
4 6 Thu Nov 26, 2009 11:51 am
LaPal View latest post
No new posts How Do I Find the Addresses and Agents For Service of Process for Lenders, Banks, Corporations, etc.
If you need help finding addresses for banks, these entities are often registered with the Office of Financial Institutions in your state. Other lenders, mortgage companies, credit card companies, etc., are listed in the Secretary of State's records. This folder will help you find the entities whether you need to send them a letter or have them served through their agent for service of process with legal papers.
   
40 44 Wed Dec 05, 2007 11:09 pm
Administrator View latest post
No new posts News Stories on Identity Theft, Personal Data Thefts and Credit Reporting Abuses

   
646 868 Wed Mar 10, 2010 5:04 pm
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No new posts Collection of Social Security Numbers

   
29 45 Wed Oct 29, 2008 4:43 am
Administrator View latest post
No new posts Current Cases
What cases have been filed recently?
   
38 45 Sun Jul 29, 2007 4:44 pm
Administrator View latest post
No new posts Quotes
This folder is for quotes by famous or infamous people about identity theft and credit reporting abuses. You may lift and use the quotes but we strongly advise that you check the source as we are in no position to verify the accuracy of the quotes shared by visitors to this site. [[Lawyer Disclaimer as usual]].
   
83 103 Thu Mar 04, 2010 6:44 pm
Administrator View latest post
No new posts Lawyer Jokes
This Folder is intended to prove that we all can laugh at ourselves no matter how big our egos get!
   
29 30 Thu Sep 24, 2009 6:53 am
Administrator View latest post

How to Get Your Credit Reports and How and Who to Write Your Dispute Letters to
 Forum   Topics   Posts   Last Post 
No new posts How To Get Your Credit Reports
Where credit reports can be acquired.
   
27 31 Thu Jan 17, 2008 10:50 pm
Administrator View latest post
No new posts Dispute Letters

   
43 87 Sat Feb 27, 2010 3:34 am
Wasco_Kid View latest post
No new posts Do You Have To Pay For Your Credit Report?
and if so, how much?
   
11 11 Tue Jan 06, 2009 11:11 pm
Administrator View latest post

FCRA Statute and Defined Terms Under the FCRA
 Forum   Topics   Posts   Last Post 
No new posts FCRA Statute And Amendments: 15 U.S.C. 1681, et. seq.

   
147 216 Tue Mar 16, 2010 4:00 am
Administrator View latest post
No new posts What is a Consumer [Credit] Reporting Agency?

   
53 66 Mon Mar 01, 2010 7:21 am
Administrator View latest post
No new posts What is a Consumer [Credit] Report?

   
51 63 Fri Jan 29, 2010 8:38 pm
Administrator View latest post
No new posts Resellers: Who are They? What Do They Do? Are They Liable Under the FCRA?

   
26 33 Thu Dec 24, 2009 9:19 pm
Administrator View latest post
No new posts Investigative Consumer [Credit] Reports
This Folder examines investigative consumer [credit reports] and the special rules governing those reports and claims which may be asserted for violations concerning this special category of reports.
   
13 15 Wed Nov 12, 2008 7:10 am
Administrator View latest post
No new posts Furnishers: Who Are Furnishers?

   
24 24 Sat Aug 22, 2009 6:12 pm
Administrator View latest post

FCRA Private Rights of Action and Duties Imposed by the FCRA
 Forum   Topics   Posts   Last Post 
No new posts Impermissible Access: 15 U.S.C. 1681b[f] and 1681q
Who can pull a credit report and when can they pull it.
   
380 449 Sat Mar 13, 2010 10:29 pm
Administrator View latest post
No new posts Front End Duties of the Credit Reporting Agencies: 15 U.S.C. 1681e(b)
Maximum Possible Accuracy
   
126 155 Tue Jan 05, 2010 12:58 pm
Administrator View latest post
No new posts Back End Duties of the CRAs: 1681i[a]:
Reasonable Reinvestigation
   
187 240 Sat Sep 26, 2009 3:43 am
Administrator View latest post
No new posts Credit Bureau's Duty to Provide Consumer Documentation to Furnisher: 1681i[a][2][B]
This Folder discusses issues pertaining to credit bureau reinvestigations with emphasis on the Agencies' duty to provide its furnishers with all relevant information and copies of documents supplied by the consumer as part of the dispute to the Agency
   
15 18 Sun Jun 08, 2008 5:29 am
Administrator View latest post
No new posts Duty to Add a Consumer's Dispute Statement in Association with a Specific Account and In Connection with the Credit File/Report: 15 U.S.C. 1681i[c]

   
27 28 Tue Jan 10, 2006 4:16 am
David A. Szwak View latest post
No new posts Furnisher FCRA Liability: 15 U.S.C. 1681s-2
Furnishers are those persons who report data to the credit reporting agencies
   
263 351 Thu Feb 25, 2010 5:53 pm
Wasco_Kid View latest post
No new posts Failing to Mark Contested Accounts As Disputed: 15 U.S.C. 1681s-2[a][3]
Obligation of the furnisher of credit data to advise the credit reporting agencies that the consumer has contested the subject account; a comment and flag is to be placed on the disputed account
   
15 20 Wed Dec 30, 2009 10:23 am
Administrator View latest post
No new posts Obsolescence: When Must the Credit Reportings Come Off of the Credit Report: 15 U.S.C. 1681c
This Folder Examines the Differing Time Periods That the Various Types of Credit Data May be Retained in Your Credit File. The Related Re-Aging Folder Also Contained in This Forum Examines the Known, Deceptive Trade Practice of Tampering With the Reporting to Avoid Automated Purge Mechanisms at the Bureaus.
   
27 33 Tue Feb 10, 2009 5:12 pm
Administrator View latest post
No new posts Blocking of Information Resulting From ID Theft: 1681c-2
This folder discusses the requirement imposed to block data resulting from identity theft.
   
6 7 Mon Jul 16, 2007 5:24 am
Administrator View latest post
No new posts Duty to Notate Disputed Accounts As Such: 15 U.S.C. 1681c[f]

   
8 8 Mon Mar 05, 2007 1:53 am
Administrator View latest post
No new posts Adverse Action Notice Rules: 15 U.S.C. 1681m and ECOA

   
72 91 Wed Sep 30, 2009 6:29 pm
Administrator View latest post
No new posts Credit Solicitations Are Required to be Clear and Conspicuous: 1681m[d]
This forum addresses 15 U.S.C. 1681m[d] and the requirement in the FCRA that credit solicitations that you receive are required to be clear and conspicuous. Carefully consider whether you have a private right of action or whether the FTC or other governmental agencies must enforce this provision.
   
37 42 Tue Mar 25, 2008 6:28 am
Administrator View latest post
No new posts Potential Exposure For Sanctions Due to Filing Bad Faith FCRA Cases: 15 U.S.C. 1681n[c], 28 U.S.C. 1927, and Fed.R.Civ.Proc. 11

   
71 73 Fri Sep 18, 2009 6:43 am
Administrator View latest post
No new posts Credit Repair Organizations Act [CROA]
Persons Performing Ilegal "Credit Repair" and Liability For Such Acts
   
64 97 Thu Jan 14, 2010 10:29 pm
Administrator View latest post
No new posts Disputed Items Cannot Be Re-Sold and Transferred: 1681m[f]
Historically, as soon as a consumer contested an account, the duped lender would try to sell it off to a debt collector or junk debt collector [or anyone willing to pay value] and such an event perpetuated the negative credit reporting. This folder examines the change, via FACTA of 2003, prohibiting the transfer, sale, assignment, etc., of a contested debt. 15 USC 1681m[f].
   
4 8 Fri Apr 18, 2008 7:42 am
Administrator View latest post
No new posts Data Disposal Requirements Under FACTA of 2003

   
2 3 Sat Sep 30, 2006 11:03 pm
Administrator View latest post
No new posts Furnisher-Debt Collectors Must Provide Consumer With Account/Application Information, Etc.: 15 U.S.C. 1681m[g]
This Folder examines the new duty under FACTA imposed upon furnishers/ debt collectors to supply the consumer-victim with a copy of the account information, including the application, account records, charge receipts, etc.
   
1 3 Sun Jun 25, 2006 6:16 pm
Administrator View latest post
No new posts Establishment of New Guidelines: 1681s-2[e]
FACTA added section 1681s-2[e], calling for a duty on the part of the Federal banking agencies, the National Credit Union Administration, and the Commission to establish certain guidelines and prescribe regulations.
   
1 3 Thu Oct 05, 2006 4:44 am
Administrator View latest post
No new posts Credit Reporting Agency Liability For Release of Data/Report Improperly

   
3 5 Thu Sep 04, 2008 10:30 pm
Administrator View latest post
No new posts Consumer Reporting Agency's Liability For Wrongful Release or Sale of Information to Others: 1681b and 1681e[a]

   
2 2 Fri May 01, 2009 4:59 am
Administrator View latest post
No new posts Failure to Truncate Credit Card Account Numbers: Private Right: 1681c[g]

   
77 88 Mon Feb 08, 2010 10:06 pm
Administrator View latest post
No new posts Credit Reporting Agency's Duty to Report/Disclose a Consumer's Dispute Related to a Specific Account
Section 1681c[f] requires credit reporting agencies to disclose to inquiring subscribers the fact that the consumer disputes a specific account/public record item, etc. [item of information on file]. This is a specific per item tag, in addition to the more generic [and useless] "consumer statement" right found in 1681g.
   
7 8 Fri Oct 24, 2008 5:46 pm
Administrator View latest post
No new posts Credit Reporting Agency's Duty to Report a Closed Account as Closed

   
4 6 Fri Jun 19, 2009 1:42 pm
jackspar View latest post
No new posts Credit Reporting Agency's Duty to Notify Subscribers/Users of Corrections to Disputing Consumer's Credit Report/File

   
1 1 Sat Apr 21, 2007 2:26 am
Administrator View latest post
No new posts 1681b[g]: If Report Contains Medical Info, Must Have Consumer's Written Consent to Access

   
1 3 Sun Jun 17, 2007 9:56 pm
Administrator View latest post
No new posts Requirement to Add Fraud Alert: 1681c-1

   
3 4 Sun Jan 11, 2009 7:42 am
Administrator View latest post
No new posts Credit Freeze Laws
This "freeze" differs from Offline and VIP statuses [greatest level of protection] and also differs the perfunctory "security alert," "7 year fraud alert" and the most useless "consumer statement."
   
11 12 Sun Jun 08, 2008 5:19 am
Administrator View latest post
No new posts Requirement to Report Specified Data Fields in the Metro Tape Sequence
What happens if the creditor or credit bureau fails to report your high credit limit or certain other specific data fields in your account? The creditors and credit bureaus have purposefully manipulated the reporting process to your detriment. Often times, it is an effort to make you a captive debtor, ie., no other lender will give you credit because your ratios are skewed and your credit score is adversely impacted so you cannot escape the creditor's grip.
   
1 1 Sat Aug 18, 2007 4:59 pm
Administrator View latest post
No new posts Furnisher's Front End Negative Information Reporting Notice Required Under FACTA Amendment to the FCRA

   
2 2 Sun Sep 02, 2007 11:16 pm
Administrator View latest post
No new posts 1681e: Credit Reporting Agencies' Duties in Signing Up Furnishers and Report Buyers

   
1 1 Sat Sep 22, 2007 6:17 pm
Administrator View latest post
No new posts Employer's Access to Credit Reports For Employment Purposes

   
18 20 Fri Aug 07, 2009 6:13 am
Administrator View latest post
No new posts 1681g: Credit Bureaus' Duties to Provide Reports/Disclosures and to Add 100 Word Statements of the Consumer

   
2 2 Fri Apr 18, 2008 6:58 am
Administrator View latest post
No new posts Affiliate Sharing Problems and Violations
15 U.S.C. 1681s-3
   
3 6 Sun Sep 07, 2008 7:29 am
Administrator View latest post
No new posts Can You Force a CRA to Report Additional Information?

   
1 1 Fri Sep 25, 2009 1:50 pm
Administrator View latest post
No new posts Resellers: Reinvestigation Duties: 1681i[f]

   
4 4 Wed Dec 23, 2009 9:29 am
Administrator View latest post

Common Credit Report Errors and Agency Misconduct
 Forum   Topics   Posts   Last Post 
No new posts Credit Errors
Get information and post information on credit report errors not involving theft of identity.
   
58 88 Wed Dec 09, 2009 1:28 pm
Administrator View latest post
No new posts Theft of Identity
Get information and post information on theft of identity issues.
   
226 312 Tue Sep 29, 2009 4:57 pm
Administrator View latest post
No new posts Mixed File Cases
Father-Son, Mother-Daughter, Junior-Senior-Trey [Generational Designators], Common Names, Variations on Social Security Numbers and Other Mixed File Issues
   
55 83 Wed Jun 18, 2008 10:56 am
Administrator View latest post
No new posts Re-Aging: Debt Collector's Efforts to Revive Obsolete Reportings

   
31 42 Fri Nov 21, 2008 8:03 pm
Administrator View latest post
No new posts Reinsertion of Previously Deleted Data: How and When Can It Happen?

   
30 30 Sun Apr 12, 2009 3:23 pm
Administrator View latest post
No new posts VIP Databases and Offline Status

   
7 12 Sun Oct 14, 2007 9:46 pm
Administrator View latest post
No new posts Deceased Reporting Cases
This Folder Examines Those Cases Where the Credit Reporting Agencies [or Furnishers] Report You as Deceased When You Are Plainly Alive
   
11 14 Mon Nov 23, 2009 5:06 am
Administrator View latest post
No new posts Medical Collections and Credit Reporting Issues
This Folder is designed to address issues specific to the collection and credit reporting of medical collection accounts. Special privacy concerns, HIPAA coverage and improper collection of charges covered by insurance and other benefits are somewhat unique to medical and related collections and reportings.
   
25 45 Wed Feb 10, 2010 2:04 am
Administrator View latest post
No new posts Violations of the Automatic Stay and Discharge Order[s] By Credit Reportings

   
65 80 Mon Aug 04, 2008 5:42 am
Administrator View latest post
No new posts Duplicated Trade Lines Reporting: What Causes It?

   
1 1 Wed Aug 09, 2006 6:27 pm
Administrator View latest post
No new posts Settled For less Than Full Amount: How is that to be Reported?

   
2 2 Fri Aug 25, 2006 2:47 pm
Administrator View latest post
No new posts Credit Reporting of Unliquidated Claims, Speculative Claims and Unenforceable Claims

   
1 2 Sat May 26, 2007 3:35 am
Administrator View latest post
No new posts Landlord-Tenant Credit Reporting Issues

   
6 8 Tue Aug 28, 2007 9:22 pm
Administrator View latest post
No new posts Check Reporting Agencies

   
26 36 Wed Jan 27, 2010 5:10 am
Administrator View latest post

Causation: The Crucial Link Between Breach of a Duty and Damages
 Forum   Topics   Posts   Last Post 
No new posts Causation to Damage [Proving Your Damages Are Related to and Caused by the Defendants
Proving the proximate and legal cause of your damages may be more tricky than you think.
   
46 56 Sun Apr 12, 2009 3:16 pm
Administrator View latest post

Types of Damages, Remedies, and Awards Under the FCRA and Related State Law Claims
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No new posts Damages Under FCRA

   
173 247 Sat Sep 26, 2009 5:23 am
Administrator View latest post
No new posts Punitive Damages: 15 U.S.C. 1681n

   
98 168 Wed Dec 23, 2009 9:31 am
Administrator View latest post
No new posts Punitive Damages, 1681n, and Willfulness Post-Safeco Decision by SCOTUS
The Supreme Court in Safeco corrected a long-standing trend of misinterpreting the definition of willfulness by some courts. There were several lines of cases, pre-Safeco. This folder examines the definition of willful and willfulness under the FCRA which are part of the burden of proof to impose punitive damages.
   
62 91 Wed Feb 10, 2010 2:09 am
Administrator View latest post
No new posts Injunctive Relief: FCRA and State Law

   
56 76 Thu Sep 24, 2009 6:30 am
Administrator View latest post
No new posts Attorneys' Fees, Litigation Expenses and Costs:
When Can You Recover Them and How? Costs Under 28 USC 1920, Expert Witness Fees, and Other Non-Damage Awards; Recoverable Costs Are Governed by 28 USC 1920 however Expert Witness Fees Are Not. There are various non-damage awards that you need to understand and how to seek them.
   
66 98 Thu Mar 11, 2010 8:20 pm
Administrator View latest post
No new posts Declaratory Relief Under the FCRA
Can you pursue private rights to declaratory judgments and relief under the FCRA?
   
12 12 Sat Aug 22, 2009 3:48 am
Administrator View latest post
No new posts Costs Under 28 USC 1920, Expert Witness Fees, and Other Non-Damage Awards
Recoverable Costs Are Governed by 28 USC 1920 however Expert Witness Fees Are Not. There are various non-damage awards that you need to understand and how to seek them.
   
13 14 Tue Oct 21, 2008 3:02 am
Administrator View latest post

Security Mechanisms to Stop ID Theft
 Forum   Topics   Posts   Last Post 
No new posts Biometrics and Other Computer Authentication and Security Issues

   
17 29 Wed Oct 29, 2008 4:44 am
Administrator View latest post
No new posts Fraud Alerts, Consumer Statements and Other Useless Features

   
13 15 Thu Oct 02, 2008 10:11 pm
Administrator View latest post

What is Your Potential Case Worth? Other Case Verdicts, etc.
 Forum   Topics   Posts   Last Post 
No new posts FCRA Jury and Bench Trial Verdicts

   
130 190 Tue Mar 09, 2010 9:11 pm
Administrator View latest post
No new posts Review of Jury Awards: FRCP 50[b]

   
1 2 Fri May 02, 2008 10:16 am
Administrator View latest post

Other Federal Laws Related to Credit Reporting, Data Privacy, Billing Errors and ID Theft
 Forum   Topics   Posts   Last Post 
No new posts FDCPA Statute And Amendments: 15 U.S.C. 1692, et. seq.

   
14 21 Sat Oct 13, 2007 3:48 am
Administrator View latest post
No new posts Electronic Funds Transfer Act: Debit Card Transactions
The main federal law governing debit card transactions is the Electronic Funds Transfer Act. This Folder examines that Act and your rights under that law and related laws governing debit card transactions.
   
7 7 Mon Aug 25, 2008 3:15 am
Administrator View latest post
No new posts Equal Credit Opportunity Act
The ECOA is an important consumer protection law and is closely tied to credit reporting issues.
   
6 6 Sat Aug 18, 2007 9:39 pm
Administrator View latest post
No new posts Fair Credit Billing Act, 15 U.S.C. 1666, et. seq.

   
41 69 Thu Aug 21, 2008 3:26 pm
Administrator View latest post
No new posts Gramm-Leach-Bliley Act [GLBA]

   
58 66 Sun Sep 07, 2008 7:29 am
Administrator View latest post
No new posts Real Estate Settlement Practices Act [RESPA]

   
25 30 Tue Nov 11, 2008 7:36 am
Administrator View latest post
No new posts Privacy, Driving Records and the Driver's Privacy Protection Act [DPPA]

   
5 6 Tue Sep 04, 2007 3:14 am
Administrator View latest post
No new posts 2005 Identity Theft Enforcement and Protection Act

   
4 10 Wed Apr 18, 2007 8:47 am
Administrator View latest post
No new posts Governmental/Sovereign Immunity: Can You Sue Governmental Actors for Violating the FCRA?

   
1 1 Thu May 03, 2007 7:30 pm
Administrator View latest post
No new posts OFAC Reports and the Law Governing Those Reports

   
5 7 Mon Jan 28, 2008 5:38 am
Administrator View latest post
No new posts Bank Secrecy Act of 1970

   
2 2 Sun Sep 02, 2007 11:28 pm
Administrator View latest post
No new posts Right to Financial Privacy of 1978

   
2 2 Thu Dec 06, 2007 3:11 am
Administrator View latest post
No new posts The USA Patriot Act

   
3 3 Tue Nov 11, 2008 7:34 am
Administrator View latest post
No new posts Foreign Surveillance Intelligence Act [FISA]

   
1 7 Mon Nov 12, 2007 2:24 am
Administrator View latest post
No new posts Telephone Consumer Protection Act [TCPA], Lousiana’s UTMA and the Junk Fax Prevention Act of 2005

   
36 54 Sat Mar 01, 2008 10:16 pm
Administrator View latest post
No new posts Communications Decency Act
The CDA is a real "wolf in sheep's skin." Generally part A provides that it is illegal to provide porn to kids. Now, no one would disagree with that. Part B purports to give absolute immunity to Internet Service Providers, including pornography perpetuators, so long as the content is posted by Information Content Providers.
   
36 49 Wed Dec 24, 2008 6:56 am
Administrator View latest post
No new posts Computer Fraud and Abuse Act, 18 U.S.C. 1030

   
52 70 Sat Jun 07, 2008 6:39 am
Administrator View latest post
No new posts HIPAA: Medical Records Privacy

   
6 6 Wed Mar 19, 2008 4:04 am
Administrator View latest post
No new posts Federal Tort Claims Act
The FCRA applies to the Government as well. The Federal Torts Claims Act must be considered when filing suit against the Government.
   
20 19 Fri Feb 15, 2008 11:04 am
Administrator View latest post
No new posts Wiretapping, Recording Conversations and Related State and Federal Laws

   
5 5 Mon Mar 08, 2010 3:03 am
Administrator View latest post
No new posts Justice System Improvement Act Claims

   
1 1 Wed Oct 29, 2008 4:22 am
Administrator View latest post
No new posts Creditor Reporting Income Attributable to Debtor Based on Defaulted Debt: 26 U.S.C. 7434
This folder examines the law and actions for the debtor where the creditor/collector filed income tax documents suggesting that the debtor received "income" due to defaulting on a credit account.
   
14 16 Sun Nov 02, 2008 4:01 am
Administrator View latest post
No new posts 1988 Video Privacy Protection Act.

   
7 7 Fri Nov 28, 2008 9:26 pm
Administrator View latest post

State Law Claims Related to Credit Reporting, Billing Errors, Privacy Breaches and ID Theft
 Forum   Topics   Posts   Last Post 
No new posts Blacklisting: Statutes and Torts for Blacklisting a Person

   
5 5 Tue Feb 06, 2007 3:11 am
Administrator View latest post
No new posts Invasion of Privacy: State Law

   
67 97 Tue Dec 15, 2009 11:10 pm
Administrator View latest post
No new posts Defamation: State Law

   
86 176 Sun Nov 02, 2008 10:04 am
Administrator View latest post
No new posts Interference With Prospective Credit: State Law

   
17 21 Sat Aug 18, 2007 5:01 pm
Administrator View latest post
No new posts Interference With Marital/Family Relations: State Law

   
2 2 Tue Dec 06, 2005 4:19 am
David A. Szwak View latest post
No new posts Infliction of Emotional Distress/Mental Anguish: State Law

   
33 42 Sun Apr 12, 2009 3:19 pm
Administrator View latest post
No new posts Interference With Contractual Relations

   
5 5 Sun Jun 15, 2008 5:39 am
Administrator View latest post
No new posts Improvident Lending: Cause of Action

   
4 5 Fri Aug 25, 2006 3:51 am
David A. Szwak View latest post
No new posts Negligent Supervision, Training and Hiring: State Laws

   
1 1 Fri Nov 24, 2006 12:54 am
Administrator View latest post
No new posts Deceptive Trade Practices [DTPA] and UDAP Claims: State Laws

   
44 68 Sun Dec 07, 2008 2:39 pm
Administrator View latest post
No new posts Tort of Outrage: State Law

   
7 10 Wed Apr 09, 2008 4:34 am
Administrator View latest post
No new posts Data Breaches: Negligent Security of Personal ID Information

   
53 54 Wed Apr 22, 2009 6:18 pm
Administrator View latest post
No new posts Antitrust, Copyright and Other Extreme Theories to Avoid

   
3 3 Sat Aug 04, 2007 7:20 pm
Administrator View latest post
No new posts Fraud: Actual or Constructive

   
5 5 Sun Dec 07, 2008 2:32 pm
Administrator View latest post
No new posts Unreasonable Acts of Coercion: Abusive Conduct of the Creditor

   
8 19 Thu Jun 11, 2009 12:03 am
668051822914 View latest post
No new posts State Laws Making Identity Theft a Specific Crime

   
11 13 Sat Dec 08, 2007 9:02 am
Administrator View latest post
No new posts Unjust Enrichment

   
1 1 Sun Jun 15, 2008 5:38 am
Administrator View latest post
No new posts Civil Conspiracy: Tort

   
4 17 Mon Dec 28, 2009 10:29 am
Administrator View latest post
No new posts Breach of Fiduciary Duties

   
19 46 Sun Nov 02, 2008 3:33 am
Administrator View latest post
No new posts Negligence, Negligent Misrepresentation and Related General Negligence Actions

   
4 4 Sat Sep 26, 2009 5:16 am
Administrator View latest post
No new posts Abuse of Process/Malicious Prosecution

   
1 1 Sun Sep 27, 2009 6:54 pm
Administrator View latest post
No new posts Key Loggers, Interception of Emails and Related Privacy Breaches

   
1 1 Tue Nov 17, 2009 5:10 am
Administrator View latest post

Jurisdiction, Venue, Removal to Federal Court, Remand to State Court, and Other Pre-Trial Jurisdicti
 Forum   Topics   Posts   Last Post 
No new posts Removal of FCRA Cases From State Court To Federal Court

   
120 192 Mon Mar 01, 2010 7:12 pm
Administrator View latest post
No new posts Personal Jurisdiction and Venue in Credit Reporting Cases
Can You Bring Your Case Against a Defendant in a Particular Court? Do You Have Jurisdiction Over the "Person" of the Defendant? Is Venue Proper?
   
107 123 Wed Jan 27, 2010 12:24 am
Administrator View latest post
No new posts Subject Matter Jurisdiction Issues

   
19 30 Wed Dec 23, 2009 9:11 am
Administrator View latest post
No new posts Abstention Issues
Federal abstention doctrines and policies behind abstention
   
3 5 Wed Dec 24, 2008 6:44 am
Administrator View latest post

RESPA Actions For Credit Reporting Issues
 Forum   Topics   Posts   Last Post 
No new posts RESPA: Section 2605[e][3]: No Credit Reporting During Dispute

   
32 35 Wed Jan 27, 2010 8:58 pm
Administrator View latest post

FCRA Litigation Strategies and Procedural Issues and Law
 Forum   Topics   Posts   Last Post 
No new posts Settlements, Releases, Prevailing Party Status, and Other Things You Need to Know If You Resolve Your Case Before Judgment

   
35 39 Wed Feb 17, 2010 5:51 am
Administrator View latest post
No new posts Offers of Judgment In FCRA Litigation
Federal and State Rules of Procedure provide cost and sometimes attorney's fee shifting mechanisms for defendants to attempt to force plaintiffs/consumers to accept proposed settlements. This forum provides a source of information for how these rules may impact the litigation.
   
42 55 Thu Jan 15, 2009 7:56 am
Administrator View latest post
No new posts Default Judgments and Setting Aside Defaults

   
1 1 Sun May 24, 2009 2:34 pm
Administrator View latest post
No new posts Moving to Strike Pleadings and Defenses

   
4 17 Wed Oct 15, 2008 11:58 pm
Administrator View latest post
No new posts Jury Trial: Your Right to a Trial By Jury
Your rights to a trial by jury are constantly under attack. Learn about your rights and when you have the right to assert a demand for jury trial.
   
9 14 Wed Dec 17, 2008 7:33 am
Administrator View latest post
No new posts Other Trial Issues: Bifurcation of Issues or Parties, etc.

   
8 10 Sat May 09, 2009 10:25 pm
Administrator View latest post
No new posts Protective Orders: Defendants Want Them and Why Should You Oppose Them? What is the Law?

   
7 7 Sat Sep 26, 2009 3:46 am
Administrator View latest post
No new posts Can You Use a Petition Under FRCP 27 Prior to Filing Suit?

   
9 10 Sun Nov 25, 2007 4:29 am
Administrator View latest post
No new posts Anti-Injunction Act

   
13 15 Wed Sep 16, 2009 4:52 am
Administrator View latest post

Do You Have a Right to Bring Claims and How Long Do You Have?
 Forum   Topics   Posts   Last Post 
No new posts Non-US Citizen Credit Applicant Issues

   
1 6 Tue Aug 08, 2006 7:38 am
Administrator View latest post
No new posts Statute Of Limitation: 15 U.S.C. 1681p

   
56 94 Wed Jan 27, 2010 5:27 am
Administrator View latest post
No new posts Standing to Sue
Who has the right to bring FCRA and related claims for credit reporting abuses? What if the plaintiff dies? Can a spouse join in the suit for damages?
   
42 54 Wed Feb 03, 2010 5:11 am
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Secret Documents, Product Information and Testimony
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No new posts Acxiom Corporation Secret Documents
Types, Names, Descriptions, Testimony
   
34 34 Sun Aug 24, 2008 11:51 pm
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No new posts Choicepoint Secret Documents:
Types, Names, Descriptions, Testimony
   
94 103 Thu Dec 03, 2009 6:12 pm
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No new posts Equifax/CSC and Affiliates Secret Documents:
Types, Names, Descriptions, Testimony
   
107 228 Sat Jan 03, 2009 11:26 pm
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No new posts Experian Secret Documents
Names, Types, Descriptions, Testimony
   
219 428 Sun Dec 07, 2008 11:39 pm
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No new posts Fair Isaac & Company [FICO]

   
47 130 Sat Dec 20, 2008 1:08 pm
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No new posts Innovis Secret Documents:
Types, Names, Descriptions, Testimony
   
3 5 Sun Nov 26, 2006 10:34 pm
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No new posts Trans Union Secret Documents
Types, Names, Descriptions, Testimony
   
91 186 Thu Nov 20, 2008 10:46 pm
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No new posts Furnisher Depositions, Trial and Affidavit Testimony, and Secret Documents
This folder contains testimony of credit card companies, banks, and other furnishers/subscribers to the credit reporting agencies, as well as information about their respective secret documents.
   
41 179 Mon Mar 15, 2010 1:24 am
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No new posts Reseller Depositions, Trial and Affidavit Testimony, and Secret Documents
This folder contains testimony of credit report resellers, intermediaries to the credit reporting agencies, as well as information about their respective secret documents.
   
4 24 Mon Nov 03, 2008 9:20 pm
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Other Privacy Laws
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No new posts Privacy and Bank Records/Banking Data

   
6 6 Thu Nov 22, 2007 7:27 am
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No new posts Privacy and Medical Records/Data

   
7 22 Thu Apr 05, 2007 2:44 am
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No new posts Privacy and Voter Registration Records/Data

   
2 4 Mon Oct 16, 2006 2:41 am
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No new posts Privacy and Cellular Telephone Records/Data

   
31 38 Sat Nov 22, 2008 3:42 pm
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Respondeat Superior, Vicarious Liability, and Whether Others Are Liable
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No new posts Liability For Employee's FCRA Violations? Liability For FCRA Violations by Third Parties?
Vicarious Liability/Respondeat Superior
   
22 29 Mon Sep 29, 2008 3:29 am
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FCRA Preemption, Immunity, and Qualified Immunity
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No new posts FCRA Preemption: 15 U.S.C. 1681t[b][1][F] and Related Discussions

   
110 134 Wed Feb 10, 2010 2:03 am
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No new posts FCRA Qualified Immunity: 15 U.S.C. 1681h[e] and Related Discussions

   
88 112 Sat Jan 24, 2009 9:40 pm
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No new posts States/Govermental Immunity From FCRA Claims?
This Folder looks at issues of whether and how you can bring FCRA cases against Governmental Bodies or Agents/Employees who may violate the FCRA. Many such agencies and agents access credit files secretly while others report/furnish data to the credit reporting agencies. Does the 11th Amendment [Sovereign Immunity] prevent such suits? Do other immunity statutes prevent such suits?
   
14 15 Fri Mar 10, 2006 3:33 am
David A. Szwak View latest post

Jury Voir Dire, Instructions, Verdict Forms, etc.
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No new posts Jury Instructions and Jury Verdict Forms

   
26 36 Wed Mar 10, 2010 8:13 pm
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No new posts Jury Questionnaires, Voir Dire, Jury Selection and Jury Bias

   
28 40 Wed Dec 17, 2008 7:36 am
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Credit Card Issues
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No new posts Credit Card Liabilities
Identity Theft, Account Takeover, Unauthorized Use, Misuse, Apparent Authority, Authorized Use.
   
123 156 Wed Jan 06, 2010 9:04 am
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No new posts Credit Card Surcharges
Can retailers, vendors, etc., charge you a surcharge on your credit card transactions?
   
11 20 Tue Feb 16, 2010 8:26 pm
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Credit Scores, Adverse Action Codes, and Other Report Codes
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No new posts Credit Scores, Adverse Action Codes, Risk Factors, Denial Codes and Other Scores and Codes Supplied by the Credit Reporting Agencies

   
50 61 Sun Jun 08, 2008 5:15 am
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The Mechanics of Credit Reporting
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No new posts Public Records Reportings [Non-Bankruptcy]

   
34 56 Thu Sep 25, 2008 9:17 pm
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No new posts Bankruptcy Reporting
Information that should and should not be reported where there is a bankruptcy.
   
129 209 Thu Jul 23, 2009 6:51 pm
desmond View latest post
No new posts Student Loan Credit Reporting

   
7 10 Mon Apr 09, 2007 2:16 pm
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No new posts Metro Tape [I and II]: Standardized Credit Reporting Formats Used by the Credit Industry

   
19 20 Sun Aug 03, 2008 10:45 am
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No new posts Sharing Information With Affiliates

   
3 4 Sun Aug 06, 2006 3:56 am
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No new posts Military/Armed Forces Issues Involving Credit and Credit Reporting

   
4 4 Tue Nov 11, 2008 7:39 am
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Defenses Asserted by Industry and Abuse Stories
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No new posts Defense Counsel Abuses and War Stories

   
54 100 Wed Feb 24, 2010 7:39 pm
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No new posts Defenses Asserted by Credit Reporting Defendants
Defenses frequently include comparative fault, failure to mitigate, third party fault, offset, contribution, impleading a third party, laches, and many others. How do you handle these defenses? Can the defendant's witness explain facts to support the asserted defenses?
   
65 110 Tue Mar 16, 2010 5:23 pm
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No new posts National Arbitration Forum: Industry's Arbitrator

   
29 36 Mon Aug 31, 2009 3:13 pm
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What Law Applies? Problems Barring Use of the Court and Law
 Forum   Topics   Posts   Last Post 
No new posts Arbitration, Forum Selection, Choice of Law, Choice of Venue and Other Adhesionary Clauses

   
353 437 Fri Mar 12, 2010 8:34 pm
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No new posts Conflicts of Laws Issues in FCRA and Related State Law Issues

   
6 8 Fri Mar 20, 2009 4:24 pm
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No new posts Law of the Case Doctrine, Mandate Rule and Other Possible Interlocutory Ruling Effects

   
6 11 Tue Mar 27, 2007 6:17 pm
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FCRA Legal Forms [Suits, Discovery, etc.]
 Forum   Topics   Posts   Last Post 
No new posts Discovery: Interrogatories, Requests For Production of Documents, Requests to Inspect, Requests For Admissions, Deposition Notices, Subpoenas, Deposit

   
207 344 Tue Feb 16, 2010 9:32 pm
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No new posts FCRA Sample Pleadings: Complaints, Motions, Oppositions and Other Standard Lawsuit Filings

   
231 502 Fri Feb 26, 2010 7:07 am
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FCRA Class Actions and Class Issues
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No new posts FCRA Class Actions

   
85 111 Sat Aug 22, 2009 6:08 pm
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Special Evidentiary Issues: What is Evidence?
 Forum   Topics   Posts   Last Post 
No new posts Evidentiary Issues in FCRA Cases

   
114 236 Tue Mar 16, 2010 9:12 pm
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Appellate Issues, Rules, Law, Etc.
 Forum   Topics   Posts   Last Post 
No new posts US 9th Circuit - Amicus Briefs

   
10 38 Mon Sep 14, 2009 8:43 pm
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No new posts Amicus Brief - Generally

   
14 75 Mon Dec 28, 2009 6:07 am
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