Defendant's Attorney: Boris Brownstein

Description: White Plains, New York consumer credit lawyer represented the Plaintiff who sued the Defendant on a Fair Credit Reporting Act theory.

"The Fair Credit Reporting Act (FCRA) is a federal law that regulates the collection, accuracy, and disclosure of consumer information in the United States. It was enacted in 1970 to protect consumers from inaccurate and unfair credit reporting practices. The FCRA is administered by the Consumer Financial Protection Bureau (CFPB).

Key Provisions of the FCRA

The FCRA has several key provisions that protect consumers, including:

Accuracy: The FCRA requires consumer reporting agencies (CRAs) to maintain accurate and up-to-date information about consumers. Consumers have the right to dispute inaccurate or incomplete information on their credit reports.

Fairness: The FCRA prohibits CRAs from including information in consumer reports that is irrelevant to creditworthiness. For example, CRAs cannot include information about medical records, arrests that did not result in convictions, or bankruptcies that are more than 10 years old.

Privacy: The FCRA restricts the disclosure of consumer reports to unauthorized persons. CRAs can only provide consumer reports to creditors, employers, insurers, and others who have a legitimate need for the information.

Access: Consumers have the right to obtain a free copy of their credit report from each of the three major CRAs once per year. Consumers can also obtain additional copies of their credit reports for a fee.

The FCRA also has provisions that give consumers certain rights when their credit reports are used to make decisions about them, such as when they apply for a loan or a job. For example, consumers have the right to receive notice if their credit report is used to deny them credit or a job.

Enforcement of the FCRA

The CFPB and the Federal Trade Commission (FTC) enforce the FCRA. Consumers can file complaints with the CFPB or the FTC if they believe that their rights under the FCRA have been violated. The CFPB and the FTC can investigate complaints and take action against CRAs that violate the law.

Additional Resources

Consumer Financial Protection Bureau: https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act
Federal Trade Commission: https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act
National Consumer Law Center: https://www.nclc.org/"

Google Bard

Outcome: 11/20/2023 47 STIPULATION OF VOLUNTARY DISMISSAL It is hereby stipulated and agreed by and between the parties and/or their respective counsel(s) that the above-captioned action is voluntarily dismissed, with prejudice against the defendant(s) Discover Bank pursuant to Rule 41(a)(1)(A)(ii) of the Federal Rules of Civil Procedure. Document filed by David Deutsch. Proposed document to be reviewed and processed by Clerk's Office staff (No action required by chambers)...(Babad, Eliyahu) (Entered: 11/20/2023)
11/20/2023 48 STIPULATION OF VOLUNTARY DISMISSAL It is hereby stipulated and agreed by and between the parties and/or their respective counsel(s) that the above-captioned action is voluntarily dismissed, with prejudice against the defendant(s) Equifax Information Services LLC pursuant to Rule 41(a)(1)(A)(ii) of the Federal Rules of Civil Procedure. Document filed by David Deutsch. Proposed document to be reviewed and processed by Clerk's Office staff (No action required by chambers)...(Babad, Eliyahu) (Entered: 11/20/2023)

Plaintiff's Experts:

Defendant's Experts:

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