9 Cited authorities

Gold Star v. Lloyds
113 F.3d 1229 (2d Cir. 1997) Cited 138 times 1 Legal Analyses
Finding employment purpose where public utility obtained and relied on credit report of plaintiff to determine that his company should not be included in a directory of reliable service providers whom utility customers might hire
Korotki v. Attorney Services Corp. Inc.
931 F. Supp. 1269 (D. Md. 1996) Cited 70 times 1 Legal Analyses
Holding that § 1681b permitted initiating a credit inquiry for the sole purpose of determining an address at which personal service could be effected, so long as the underlying litigation involved the collection of a consumer debt
Safeco Ins. Co. of America v. Burr
551 U.S. 47 (2007) 10 Legal Analyses
ON WRITS OF CERTIORARI TO THE UNITED STATES COURT OF APPEALS FOR THE NINTH CIRCUIT. Nos. 06-84, 06-100. Argued January 16, 2007. Decided June 4, 2007. Together with No. 06-100, GEICO General Insurance Co. et al. v. Edo, also on certiorari to the same court. The Fair Credit Reporting Act (FCRA) requires notice to a consumer subjected to "adverse action . . . based in whole or in part on any information contained in a consumer [credit] report." 15 U.S.C. § 1681m(a). As applied to insurance companies
Edge v. Professional Claims Bureau, Inc.
64 F. Supp. 2d 115 (E.D.N.Y. 1999) Cited 46 times
Holding that access to computerized credit information on a third-party's database "cannot be said to have been without `authorization'" where the access was made for a "permissible purpose" under the applicable credit reporting laws
Stonehart v. Rosenthal
01 Civ. 651 (SAS) (S.D.N.Y. Aug. 13, 2001) Cited 36 times
Holding that "debt collection for accounts other than pure 'credit transactions' may constitute a permissible purpose under section 1681b"
Rydell v. Windward
CIVIL NO. 11-00485 JMS-KSC (D. Haw. Nov. 9, 2011) Cited 4 times
In Rydell, the plaintiff alleged that the defendant violated the FCRA by obtaining his credit report from each of the three reporting agencies when he authorized defendant to obtain only one credit report.
Uhlig v. Berge Ford Inc.
257 F. Supp. 2d 1228 (D. Ariz. 2003) Cited 5 times
Stating that parties can contractually agree that there is no permissible purpose if the consumer conditions the transaction on there being no credit report
Section 1681 - Congressional findings and statement of purpose
15 U.S.C. § 1681 Cited 6,296 times 190 Legal Analyses
Recognizing the need to protect "the consumer's right to privacy"
Section 1681b - Permissible purposes of consumer reports
15 U.S.C. § 1681b Cited 1,748 times 101 Legal Analyses
Granting permission to obtain credit report where person "intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation"

Deon Thomas v. Consumerinfo.com Inc

9 Cited authorities

Finding employment purpose where public utility obtained and relied on credit report of plaintiff to determine that his company should not be included in a directory of reliable service providers whom utility customers might hire

Holding that § 1681b permitted initiating a credit inquiry for the sole purpose of determining an address at which personal service could be effected, so long as the underlying litigation involved the collection of a consumer debt

Holding that access to computerized credit information on a third-party's database "cannot be said to have been without `authorization'" where the access was made for a "permissible purpose" under the applicable credit reporting laws

Holding that "debt collection for accounts other than pure 'credit transactions' may constitute a permissible purpose under section 1681b"

In Rydell, the plaintiff alleged that the defendant violated the FCRA by obtaining his credit report from each of the three reporting agencies when he authorized defendant to obtain only one credit report.

Stating that parties can contractually agree that there is no permissible purpose if the consumer conditions the transaction on there being no credit report

Recognizing the need to protect "the consumer's right to privacy"

Granting permission to obtain credit report where person "intends to use the information, as a potential investor or servicer, or current insurer, in connection with a valuation of, or an assessment of the credit or prepayment risks associated with, an existing credit obligation"