Brian Gross v. Equifax Information Services, LLC

Minneapolis, Minnesota consumer credit law lawyer represented the Plaintiff.

The Fair Credit Reporting Act (FCRA) is a federal law that protects the privacy, accuracy, and fairness of consumer information. The FCRA regulates the collection, maintenance, and disclosure of consumer information by credit reporting agencies (CRAs). The FCRA also places obligations on parties that use or provide consumer information to CRAs.

Here are some of the main provisions of the FCRA:



Consumer reports



CRAs compile consumer reports that contain information about a consumer's creditworthiness, character, and other personal characteristics. The FCRA requires CRAs to follow reasonable procedures to protect the confidentiality, accuracy, and relevance of this information.



Consumer rights



The FCRA gives consumers rights such as the right to access and correct their data, the right to data security, and the right to be notified if adverse action is taken against them based on their consumer report.



Active duty alerts



Active duty military personnel can place "active duty alerts" in their credit reports to require creditors to take extra steps to verify their identity.



Opting out of marketing lists



Consumers can ask the three national credit bureaus to stop sharing their information for marketing purposes.



Medical information



Medical information in consumer reports can only be used for specific medical-related transactions with the consumer's consent.



Employment background checks

Prospective employers must obtain the consumer's consent to obtain a consumer report for employment purposes.



The FCRA was enacted in 1970 and has been significantly amended since then.

Pursuant to the parties' Stipulation of Dismissal with Prejudice filed on October 15, 2024 (ECF No. 31), IT IS HEREBY ORDERED that this action is dismissed with prejudice and on the merits and without costs, disbursements, or attorneys' fees to any party. Ordered by Judge Katherine M. Menendez on 10/17/2024.(KAT) (Entered: 10/17/2024)