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General Discussions, Forum Registration, and ID Theft and Credit-Related News Stories

	Topics	Posts	Last Post
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
How To Register For the Forum	4	6	Thu Nov 26, 2009 11:51 am LaPal
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
News Stories on Identity Theft, Personal Data Thefts and Credit Reporting Abuses	646	868	Wed Mar 10, 2010 5:04 pm Administrator
Collection of Social Security Numbers	29	45	Wed Oct 29, 2008 4:43 am Administrator
Current Cases What cases have been filed recently?	38	45	Sun Jul 29, 2007 4:44 pm Administrator
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
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

How to Get Your Credit Reports and How and Who to Write Your Dispute Letters to

	Topics	Posts	Last Post
How To Get Your Credit Reports Where credit reports can be acquired.	27	31	Thu Jan 17, 2008 10:50 pm Administrator
Dispute Letters	43	87	Sat Feb 27, 2010 3:34 am Wasco_Kid
Do You Have To Pay For Your Credit Report? and if so, how much?	11	11	Tue Jan 06, 2009 11:11 pm Administrator

FCRA Statute and Defined Terms Under the FCRA

	Topics	Posts	Last Post
FCRA Statute And Amendments: 15 U.S.C. 1681, et. seq.	147	216	Tue Mar 16, 2010 4:00 am Administrator
What is a Consumer [Credit] Reporting Agency?	53	66	Mon Mar 01, 2010 7:21 am Administrator
What is a Consumer [Credit] Report?	51	63	Fri Jan 29, 2010 8:38 pm Administrator
Resellers: Who are They? What Do They Do? Are They Liable Under the FCRA?	26	33	Thu Dec 24, 2009 9:19 pm Administrator
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
Furnishers: Who Are Furnishers?	24	24	Sat Aug 22, 2009 6:12 pm Administrator

FCRA Private Rights of Action and Duties Imposed by the FCRA

	Topics	Posts	Last Post
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
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
Back End Duties of the CRAs: 1681i[a]: Reasonable Reinvestigation	187	240	Sat Sep 26, 2009 3:43 am Administrator
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
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
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
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
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
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
Duty to Notate Disputed Accounts As Such: 15 U.S.C. 1681c[f]	8	8	Mon Mar 05, 2007 1:53 am Administrator
Adverse Action Notice Rules: 15 U.S.C. 1681m and ECOA	72	91	Wed Sep 30, 2009 6:29 pm Administrator
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
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
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
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
Data Disposal Requirements Under FACTA of 2003	2	3	Sat Sep 30, 2006 11:03 pm Administrator
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
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
Credit Reporting Agency Liability For Release of Data/Report Improperly	3	5	Thu Sep 04, 2008 10:30 pm Administrator
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
Failure to Truncate Credit Card Account Numbers: Private Right: 1681c[g]	77	88	Mon Feb 08, 2010 10:06 pm Administrator
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
Credit Reporting Agency's Duty to Report a Closed Account as Closed	4	6	Fri Jun 19, 2009 1:42 pm jackspar
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
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
Requirement to Add Fraud Alert: 1681c-1	3	4	Sun Jan 11, 2009 7:42 am Administrator
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
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
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
1681e: Credit Reporting Agencies' Duties in Signing Up Furnishers and Report Buyers	1	1	Sat Sep 22, 2007 6:17 pm Administrator
Employer's Access to Credit Reports For Employment Purposes	18	20	Fri Aug 07, 2009 6:13 am Administrator
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
Affiliate Sharing Problems and Violations 15 U.S.C. 1681s-3	3	6	Sun Sep 07, 2008 7:29 am Administrator
Can You Force a CRA to Report Additional Information?	1	1	Fri Sep 25, 2009 1:50 pm Administrator
Resellers: Reinvestigation Duties: 1681i[f]	4	4	Wed Dec 23, 2009 9:29 am Administrator

Common Credit Report Errors and Agency Misconduct

	Topics	Posts	Last Post
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
Theft of Identity Get information and post information on theft of identity issues.	226	312	Tue Sep 29, 2009 4:57 pm Administrator
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
Re-Aging: Debt Collector's Efforts to Revive Obsolete Reportings	31	42	Fri Nov 21, 2008 8:03 pm Administrator
Reinsertion of Previously Deleted Data: How and When Can It Happen?	30	30	Sun Apr 12, 2009 3:23 pm Administrator
VIP Databases and Offline Status	7	12	Sun Oct 14, 2007 9:46 pm Administrator
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
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
Violations of the Automatic Stay and Discharge Order[s] By Credit Reportings	65	80	Mon Aug 04, 2008 5:42 am Administrator
Duplicated Trade Lines Reporting: What Causes It?	1	1	Wed Aug 09, 2006 6:27 pm Administrator
Settled For less Than Full Amount: How is that to be Reported?	2	2	Fri Aug 25, 2006 2:47 pm Administrator
Credit Reporting of Unliquidated Claims, Speculative Claims and Unenforceable Claims	1	2	Sat May 26, 2007 3:35 am Administrator
Landlord-Tenant Credit Reporting Issues	6	8	Tue Aug 28, 2007 9:22 pm Administrator
Check Reporting Agencies	26	36	Wed Jan 27, 2010 5:10 am Administrator

Causation: The Crucial Link Between Breach of a Duty and Damages

Forum		Topics	Posts	Last Post
	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

Types of Damages, Remedies, and Awards Under the FCRA and Related State Law Claims

	Topics	Posts	Last Post
Damages Under FCRA	173	247	Sat Sep 26, 2009 5:23 am Administrator
Punitive Damages: 15 U.S.C. 1681n	98	168	Wed Dec 23, 2009 9:31 am Administrator
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
Injunctive Relief: FCRA and State Law	56	76	Thu Sep 24, 2009 6:30 am Administrator
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
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
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

Security Mechanisms to Stop ID Theft

Forum		Topics	Posts	Last Post
	Biometrics and Other Computer Authentication and Security Issues	17	29	Wed Oct 29, 2008 4:44 am Administrator
	Fraud Alerts, Consumer Statements and Other Useless Features	13	15	Thu Oct 02, 2008 10:11 pm Administrator

What is Your Potential Case Worth? Other Case Verdicts, etc.

Forum		Topics	Posts	Last Post
	FCRA Jury and Bench Trial Verdicts	130	190	Tue Mar 09, 2010 9:11 pm Administrator
	Review of Jury Awards: FRCP 50[b]	1	2	Fri May 02, 2008 10:16 am Administrator

Other Federal Laws Related to Credit Reporting, Data Privacy, Billing Errors and ID Theft

	Topics	Posts	Last Post
FDCPA Statute And Amendments: 15 U.S.C. 1692, et. seq.	14	21	Sat Oct 13, 2007 3:48 am Administrator
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
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
Fair Credit Billing Act, 15 U.S.C. 1666, et. seq.	41	69	Thu Aug 21, 2008 3:26 pm Administrator
Gramm-Leach-Bliley Act [GLBA]	58	66	Sun Sep 07, 2008 7:29 am Administrator
Real Estate Settlement Practices Act [RESPA]	25	30	Tue Nov 11, 2008 7:36 am Administrator
Privacy, Driving Records and the Driver's Privacy Protection Act [DPPA]	5	6	Tue Sep 04, 2007 3:14 am Administrator
2005 Identity Theft Enforcement and Protection Act	4	10	Wed Apr 18, 2007 8:47 am Administrator
Governmental/Sovereign Immunity: Can You Sue Governmental Actors for Violating the FCRA?	1	1	Thu May 03, 2007 7:30 pm Administrator
OFAC Reports and the Law Governing Those Reports	5	7	Mon Jan 28, 2008 5:38 am Administrator
Bank Secrecy Act of 1970	2	2	Sun Sep 02, 2007 11:28 pm Administrator
Right to Financial Privacy of 1978	2	2	Thu Dec 06, 2007 3:11 am Administrator
The USA Patriot Act	3	3	Tue Nov 11, 2008 7:34 am Administrator
Foreign Surveillance Intelligence Act [FISA]	1	7	Mon Nov 12, 2007 2:24 am Administrator
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
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
Computer Fraud and Abuse Act, 18 U.S.C. 1030	52	70	Sat Jun 07, 2008 6:39 am Administrator
HIPAA: Medical Records Privacy	6	6	Wed Mar 19, 2008 4:04 am Administrator
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
Wiretapping, Recording Conversations and Related State and Federal Laws	5	5	Mon Mar 08, 2010 3:03 am Administrator
Justice System Improvement Act Claims	1	1	Wed Oct 29, 2008 4:22 am Administrator
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
1988 Video Privacy Protection Act.	7	7	Fri Nov 28, 2008 9:26 pm Administrator

State Law Claims Related to Credit Reporting, Billing Errors, Privacy Breaches and ID Theft

	Topics	Posts	Last Post
Blacklisting: Statutes and Torts for Blacklisting a Person	5	5	Tue Feb 06, 2007 3:11 am Administrator
Invasion of Privacy: State Law	67	97	Tue Dec 15, 2009 11:10 pm Administrator
Defamation: State Law	86	176	Sun Nov 02, 2008 10:04 am Administrator
Interference With Prospective Credit: State Law	17	21	Sat Aug 18, 2007 5:01 pm Administrator
Interference With Marital/Family Relations: State Law	2	2	Tue Dec 06, 2005 4:19 am David A. Szwak
Infliction of Emotional Distress/Mental Anguish: State Law	33	42	Sun Apr 12, 2009 3:19 pm Administrator
Interference With Contractual Relations	5	5	Sun Jun 15, 2008 5:39 am Administrator
Improvident Lending: Cause of Action	4	5	Fri Aug 25, 2006 3:51 am David A. Szwak
Negligent Supervision, Training and Hiring: State Laws	1	1	Fri Nov 24, 2006 12:54 am Administrator
Deceptive Trade Practices [DTPA] and UDAP Claims: State Laws	44	68	Sun Dec 07, 2008 2:39 pm Administrator
Tort of Outrage: State Law	7	10	Wed Apr 09, 2008 4:34 am Administrator
Data Breaches: Negligent Security of Personal ID Information	53	54	Wed Apr 22, 2009 6:18 pm Administrator
Antitrust, Copyright and Other Extreme Theories to Avoid	3	3	Sat Aug 04, 2007 7:20 pm Administrator
Fraud: Actual or Constructive	5	5	Sun Dec 07, 2008 2:32 pm Administrator
Unreasonable Acts of Coercion: Abusive Conduct of the Creditor	8	19	Thu Jun 11, 2009 12:03 am 668051822914
State Laws Making Identity Theft a Specific Crime	11	13	Sat Dec 08, 2007 9:02 am Administrator
Unjust Enrichment	1	1	Sun Jun 15, 2008 5:38 am Administrator
Civil Conspiracy: Tort	4	17	Mon Dec 28, 2009 10:29 am Administrator
Breach of Fiduciary Duties	19	46	Sun Nov 02, 2008 3:33 am Administrator
Negligence, Negligent Misrepresentation and Related General Negligence Actions	4	4	Sat Sep 26, 2009 5:16 am Administrator
Abuse of Process/Malicious Prosecution	1	1	Sun Sep 27, 2009 6:54 pm Administrator
Key Loggers, Interception of Emails and Related Privacy Breaches	1	1	Tue Nov 17, 2009 5:10 am Administrator

Jurisdiction, Venue, Removal to Federal Court, Remand to State Court, and Other Pre-Trial Jurisdicti

	Topics	Posts	Last Post
Removal of FCRA Cases From State Court To Federal Court	120	192	Mon Mar 01, 2010 7:12 pm Administrator
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
Subject Matter Jurisdiction Issues	19	30	Wed Dec 23, 2009 9:11 am Administrator
Abstention Issues Federal abstention doctrines and policies behind abstention	3	5	Wed Dec 24, 2008 6:44 am Administrator

RESPA Actions For Credit Reporting Issues

Forum		Topics	Posts	Last Post
	RESPA: Section 2605[e][3]: No Credit Reporting During Dispute	32	35	Wed Jan 27, 2010 8:58 pm Administrator

FCRA Litigation Strategies and Procedural Issues and Law

	Topics	Posts	Last Post
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
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
Default Judgments and Setting Aside Defaults	1	1	Sun May 24, 2009 2:34 pm Administrator
Moving to Strike Pleadings and Defenses	4	17	Wed Oct 15, 2008 11:58 pm Administrator
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
Other Trial Issues: Bifurcation of Issues or Parties, etc.	8	10	Sat May 09, 2009 10:25 pm Administrator
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
Can You Use a Petition Under FRCP 27 Prior to Filing Suit?	9	10	Sun Nov 25, 2007 4:29 am Administrator
Anti-Injunction Act	13	15	Wed Sep 16, 2009 4:52 am Administrator

Do You Have a Right to Bring Claims and How Long Do You Have?

	Topics	Posts	Last Post
Non-US Citizen Credit Applicant Issues	1	6	Tue Aug 08, 2006 7:38 am Administrator
Statute Of Limitation: 15 U.S.C. 1681p	56	94	Wed Jan 27, 2010 5:27 am Administrator
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 Administrator

Secret Documents, Product Information and Testimony

	Topics	Posts	Last Post
Acxiom Corporation Secret Documents Types, Names, Descriptions, Testimony	34	34	Sun Aug 24, 2008 11:51 pm Administrator
Choicepoint Secret Documents: Types, Names, Descriptions, Testimony	94	103	Thu Dec 03, 2009 6:12 pm Administrator
Equifax/CSC and Affiliates Secret Documents: Types, Names, Descriptions, Testimony	107	228	Sat Jan 03, 2009 11:26 pm Administrator
Experian Secret Documents Names, Types, Descriptions, Testimony	219	428	Sun Dec 07, 2008 11:39 pm Administrator
Fair Isaac & Company [FICO]	47	130	Sat Dec 20, 2008 1:08 pm Administrator
Innovis Secret Documents: Types, Names, Descriptions, Testimony	3	5	Sun Nov 26, 2006 10:34 pm Administrator
Trans Union Secret Documents Types, Names, Descriptions, Testimony	91	186	Thu Nov 20, 2008 10:46 pm Administrator
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 Administrator
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 Administrator

Other Privacy Laws

	Topics	Posts	Last Post
Privacy and Bank Records/Banking Data	6	6	Thu Nov 22, 2007 7:27 am Administrator
Privacy and Medical Records/Data	7	22	Thu Apr 05, 2007 2:44 am Administrator
Privacy and Voter Registration Records/Data	2	4	Mon Oct 16, 2006 2:41 am Administrator
Privacy and Cellular Telephone Records/Data	31	38	Sat Nov 22, 2008 3:42 pm Administrator

Respondeat Superior, Vicarious Liability, and Whether Others Are Liable

Forum		Topics	Posts	Last Post
	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 Administrator

FCRA Preemption, Immunity, and Qualified Immunity

	Topics	Posts	Last Post
FCRA Preemption: 15 U.S.C. 1681t[b][1][F] and Related Discussions	110	134	Wed Feb 10, 2010 2:03 am Administrator
FCRA Qualified Immunity: 15 U.S.C. 1681h[e] and Related Discussions	88	112	Sat Jan 24, 2009 9:40 pm Administrator
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

Jury Voir Dire, Instructions, Verdict Forms, etc.

Forum		Topics	Posts	Last Post
	Jury Instructions and Jury Verdict Forms	26	36	Wed Mar 10, 2010 8:13 pm Administrator
	Jury Questionnaires, Voir Dire, Jury Selection and Jury Bias	28	40	Wed Dec 17, 2008 7:36 am Administrator

Credit Card Issues

Forum		Topics	Posts	Last Post
	Credit Card Liabilities Identity Theft, Account Takeover, Unauthorized Use, Misuse, Apparent Authority, Authorized Use.	123	156	Wed Jan 06, 2010 9:04 am Administrator
	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 Administrator

Credit Scores, Adverse Action Codes, and Other Report Codes

Forum		Topics	Posts	Last Post
	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 Administrator

The Mechanics of Credit Reporting

	Topics	Posts	Last Post
Public Records Reportings [Non-Bankruptcy]	34	56	Thu Sep 25, 2008 9:17 pm Administrator
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
Student Loan Credit Reporting	7	10	Mon Apr 09, 2007 2:16 pm Administrator
Metro Tape [I and II]: Standardized Credit Reporting Formats Used by the Credit Industry	19	20	Sun Aug 03, 2008 10:45 am Administrator
Sharing Information With Affiliates	3	4	Sun Aug 06, 2006 3:56 am Administrator
Military/Armed Forces Issues Involving Credit and Credit Reporting	4	4	Tue Nov 11, 2008 7:39 am Administrator

Defenses Asserted by Industry and Abuse Stories

	Topics	Posts	Last Post
Defense Counsel Abuses and War Stories	54	100	Wed Feb 24, 2010 7:39 pm Administrator
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 Administrator
National Arbitration Forum: Industry's Arbitrator	29	36	Mon Aug 31, 2009 3:13 pm Administrator

What Law Applies? Problems Barring Use of the Court and Law

	Topics	Posts	Last Post
Arbitration, Forum Selection, Choice of Law, Choice of Venue and Other Adhesionary Clauses	353	437	Fri Mar 12, 2010 8:34 pm Administrator
Conflicts of Laws Issues in FCRA and Related State Law Issues	6	8	Fri Mar 20, 2009 4:24 pm Administrator
Law of the Case Doctrine, Mandate Rule and Other Possible Interlocutory Ruling Effects	6	11	Tue Mar 27, 2007 6:17 pm Administrator

FCRA Legal Forms [Suits, Discovery, etc.]

Forum		Topics	Posts	Last Post
	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 Administrator
	FCRA Sample Pleadings: Complaints, Motions, Oppositions and Other Standard Lawsuit Filings	231	502	Fri Feb 26, 2010 7:07 am Administrator

FCRA Class Actions and Class Issues

Forum		Topics	Posts	Last Post
	FCRA Class Actions	85	111	Sat Aug 22, 2009 6:08 pm Administrator

Special Evidentiary Issues: What is Evidence?

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	Evidentiary Issues in FCRA Cases	114	236	Tue Mar 16, 2010 9:12 pm Administrator

Appellate Issues, Rules, Law, Etc.

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	US 9th Circuit - Amicus Briefs	10	38	Mon Sep 14, 2009 8:43 pm Administrator
	Amicus Brief - Generally	14	75	Mon Dec 28, 2009 6:07 am Administrator

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