#fcra — Public Fediverse posts
Live and recent posts from across the Fediverse tagged #fcra, aggregated by home.social.
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CFPB Quietly Kills Rule to Shield Americans From Data Brokers
https://www.wired.com/story/cfpb-quietly-kills-rule-to-shield-americans-from-data-brokers/
#cybersecurity #privacy #surveillance #databrokers #FCRA #CFPB -
CFPB Takes on Experian: A Legal Battle Over Credit Report Accuracy
In a landmark lawsuit, the Consumer Financial Protection Bureau (CFPB) is challenging Experian's practices regarding consumer dispute investigations. Allegations of sham investigations and improper ha...
https://news.lavx.hu/article/cfpb-takes-on-experian-a-legal-battle-over-credit-report-accuracy
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"The Consumer Financial Protection Bureau (CFPB) has proposed a new rule that would block data brokers from selling personal and financial information on Americans, including their Social Security numbers and phone numbers, under the Fair Credit Reporting Act (FCRA).
In proposing the new rules, months after President Biden signed an executive order to curb the sale of Americans’ private data, the U.S. consumer protection agency said it aims to “rein in” data brokers who sidestep federal law by claiming that they are not subject to the FCRA’s legal provisions.
The CFPB’s director, Rohit Chopra, told reporters on a call Monday that the proposed rule would “curtail the widespread evasion” of the FCRA, which is the federal privacy law that protects personal data collected by consumer reporting agencies, like credit bureaus and tenant screening companies. The rule would also “make it clear that many of these data brokers, like credit bureaus and background check companies, are subject to federal protection under the FCRA.”"
#USA #CFPB #FCRA #DataProtection #Privacy #DataBrokers #DataBrokerage
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New guidelines from the Consumer Financial Protection Bureau aim to protect workers from unfair surveillance
https://www.admin-magazine.com/News/New-Federal-Guidelines-Protect-Employees-from-Unfair-Tracking
#privacy #surveillance #CFPB #FCRA #consent #data -
A lot of people don’t know this: most lawyers who sue Equifax won’t charge you a dime unless they win for you. Being “poor” isn’t a reason to tolerate credit reporting mistakes. #FCRA #Equifax #TransUnion #Experian
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Take a look at what's going on under the surface - check your credit report before debt blows up in your face.
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That's why we recommend keeping an eye on your credit reports.
You now have the right to get all three major reports, for free, once per week, at annualcreditreport.com - and they're actual, reliable data you can use.
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It's like what happens when you let a debt collection problem sit and fester. Eventually, it builds up pressure until, at the worst possible time, it shatters your peace and tranquility.
If you don't know what's going on under the surface, you could be blindsided by a debt eruption.
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Old Faithful is unusual for a geyser—predictable, regular, almost even-tempered.
Most geysers are different. They build up pressure for months, years, even decades or centuries, and erupt violently without warning.
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A geyser in Yellowstone exploded under pressure yesterday.
Park visitors had to scramble for safety.
Fortunately, no one got hurt, and no, it wasn't Old Faithful, but another geyser in nearby Biscuit Basin.
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And the credit bureaus have a responsibility to fix it.
If a credit bureau is forcing you to live someone else's life and you want to just be yourself, reach out to us today.
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When credit reporting companies try to make you live someone else's life, it can wreck your life.
Whether it's identity theft, mistaken identity, or just plain carelessness, when your credit file has other people's information in it, you can lose credit, you can lose job opportunities, and even be shut out of housing.
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"Be yourself. Everyone else is already taken."
Oscar Wilde may or may not have said this, but the famous poet definitely lived it.
And more than 100 years after his death, the idea is more important than ever, as almost everything we do in life depends on being recognized for who we are, not for being someone else.
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Skip the "gurus" and go straight to the professionals who only get paid after they get it right.
Have you gotten burned by a "credit repair" guru? Let us know.
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So what works?
Enforce the laws.
When a credit bureau breaks the law by ignoring your dispute, or failing to investigate, or invading your privacy, you can sue them to recover the damages they cause.
But you have to know how to protect your rights before you start. Disputing things at random, or using online disputes, or not getting your actual credit report, all can cripple your case.
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And the CFPB isn't coming to the rescue. They just don't have the time to check out your individual file.
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Too many people believe that bombarding a credit bureau with dispute letters will result in removals, even for accurate, timely reporting.
But the bureaus have automated systems that deny disputes faster than any credit-repair guru can generate them.
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"Credit repair" is dead.
The field is flooded with predators peddling misinformation to the desperate.
And the credit reporting industry is brushing off their tactics like an elephant swatting away flies.
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Don't fall for the trap—skip the apps.
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→ Get all three original reports from annualcreditreport.com (or by mail).
→ Identify any inaccurate information that needs to be fixed or removed.
→ Write a letter to each bureau, identifying each item that was wrong, and sending it certified mail, return receipt requested.
→ If they fail to fix the incorrect information, go to court (with the help of a lawyer who won't charge you) to sue for damages caused by their false reporting.
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The credit industry WANTS to lure you into these useless, fake report-and-dispute apps because using them prevents you from enforcing your rights.
What he should have done instead:
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The problem is, Credit Karma reports are hearsay, because they don't come directly from the credit bureaus.
And his online disputes didn't get saved, so he has no record of them.
That means has has no way to go to court to enforce his legal rights to accurate, timely, verifiable credit information.
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David cost himself thousands of dollars because he used the wrong credit app.
Here's what he should have done instead.
A lot of people like to keep an eye on their credit, and that's a good thing. A whole industry has sprung up, offering ways for people to do it.
But those apps are a trap.
David used Credit Karma to get his "reports" and to dispute information on them.
And when it didn't get fixed, he wanted to sue.
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Remember that your ultimate recourse is to take them to court. Your letter may end up in front of a jury. So you want your dispute to be clear. You want to sound reasonable. You don't want to fill your letter with a bunch of legal jargon. You want to sound like the good guy that the jury will want to give money to.
If you write your dispute with that in mind, then you'll ultimately be the winner.
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And "myth" is truly the best way to describe this. Because even though scanning is better than it's ever been—yes, some scanners can even read black print on black paper—even if a human reads it, they're still going to reduce your dispute down to a double-digit code for use in the E-Oscar automated dispute handling system.
So what should you do instead?
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The idea behind these myths is that a human being has to read them if the scanner can't, and somehow, it's more desirable to have a low-wage mail clerk read your dispute than to have the machine process it.
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Write it by hand. Use special colored paper. Write it left-handed. Don't sign it. Use a watermark. Write it in crayon.
These are all folk tales about how to write a dispute letter to defeat the automated scanning devices used by the credit bureaus to process disputes.
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How Four Hindu Nationalist Websites Make Their Money
Some media outlets, with content promoting Hindu nationalism and vilifying minority groups, are receiving foreign donations or operating in ways that may be inconsistent with Indian laws. Bellingcat identified two such far-right outlets–OpIndia and Hindu Existence.
#misinformation #HateSpeech #propaganda #FCRA #OpIndia #HinduExistence #JaipurDialogues #JDDigital #hindutva #BJP #islamophobia #PayPal #india
https://www.bellingcat.com/news/2024/05/28/how-hindu-nationalist-far-right-india-websites-money
