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Early Warning Systems report error causing bank account denial under the Fair Credit Reporting Act
Background Check Issues, Consumer Law, Consumer Protection Law No Comments

Early Warning Systems Reports and the Fair Credit Reporting Act: What Consumers Need to Know

Most consumers are familiar with traditional credit reporting agencies such as Experian, Equifax, and TransUnion. These companies compile credit reports that lenders use when deciding whether to approve loans or credit cards. However, many consumers are surprised to learn that there are other consumer reporting agencies that collect and report financial information that can have

Philadelphia Expands Ban the Box Protections for Job Applicants
Background Check Issues, Consumer Law, Consumer Protection Law No Comments

Philadelphia Expands “Ban the Box” Protections for Job Applicants

Philadelphia has expanded its Ban the Box law, strengthening protections for job applicants and placing new limits on how employers and background check companies may use criminal history information. For job seekers, this expansion is significant. For employers who fail to comply, it creates serious legal exposure. What Is “Ban the Box”? Philadelphia’s Fair Criminal

Mark Mailman of Francis Mailman Soumilas, P.C. Featured in the Legal Intelligencer on the Illinois Supreme Court 'Concrete Injury' Requirement for FCRA Claims
Cases & Complaints, Consumer Law, The Firm in The News No Comments

Illinois Supreme Court Requires ‘Concrete Injury’ for FCRA Claims

The Illinois Supreme Court recently issued a significant decision affecting Fair Credit Reporting Act (FCRA) claims brought in Illinois state courts. In Fausett v. Walgreens, the court held that consumers must demonstrate a concrete, actual injury to have standing to pursue claims under the FCRA and FACTA, rather than relying solely on statutory violations. The

Person Sitting Thinking About the Past After an outdated conviction on a background check caused them to be denied housing
Background Check Issues, Cases & Complaints No Comments

When Your Past Is Supposed to Be Behind You, But a Background Check Error Brings It All Back

Everyone deserves the chance to move forward. To start fresh. To build a better life. But what happens when a background check company refuses to let you? That’s exactly what happened when RentGrow reported an eight-year-old vacated conviction that should never have appeared on a tenant screening report. Trying to Build a Better Life Our

Myths vs Reality Credit Reporting
Consumer Law, Consumer Protection Law, Credit Report Issues No Comments

Myth vs. Reality: What You Can and Cannot Remove From Your Credit Report, and When You May Have a Lawsuit

Social media is full of advice about “cleaning” your credit report, much of it dangerously inaccurate. Every day, people are told they can dispute any negative information and have it instantly removed. Others claim you can sue the credit bureaus simply because you don’t like what’s on your report. The truth? Your rights under the

Resident Verify Listed Violent Crimes on a Tenant Background Check, Even Though They Never Committed a Crime
Background Check Issues No Comments

When a Background Check Calls You a Violent Felon and You’ve Never Committed a Crime

Moving to a new state brings enough stress, new responsibilities, and the need to find housing. But discovering a violent felony conviction on your background check that isn’t yours is truly shocking. That’s exactly what happened when Resident Verify mixed up our client with a completely different individual,  someone with a criminal record, a different

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