Credit Reporting

Bad Envelope = FDCPA Violation

Douglass v Convergent Outsourcing Third Circuit Court of Appeals The Third Circuit Court of Appeals on August 28, 2014 issued a precedential opinion in the case of Douglass v Convergent Outsourcing f/k/a ER Solutions, Inc. Douglass filed an action against Convergent Outsourcing for sending a collection letter using a window envelope that exposed Mr. Douglass’s…

Credit Reporting

Keep Your Envelopes

Now that the Court has spoken on this issue, it is a violation for a debt collector to disclose on the outside of an envelope (or if you can see it through the envelope window) any personal information other than the debt collector’s address. This can include a file number, identification number or a QR…

Credit Reporting

Your Rights under the Fair Credit Reporting Act (FCRA)

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a…