No one enjoys receiving unsolicited telemarketing text messages, but can consumers sue organizations for sending them? Increasingly, the answer depends on whether the federal courts in which consumers bring their lawsuits will defer to the agencies Congress charged with protecting them in the wake of recent U.S. Supreme Court decisions holding that those courts need
Millions of Americans have criminal records that continue to appear on background check reports long after they have paid their debt to society. These records can make it difficult to find employment, secure housing, obtain professional licenses, and move forward with life. In response, a growing number of states have enacted “Clean Slate” laws that
Most people assume that once an employer sees something on a background check, the hiring decision is already made. But employers who use background checks for employment purposes are generally required to follow specific steps before taking adverse action based on the information in a report. Those protections exist for a reason. Background checks are
PHILADELPHIA, June 23, 2026 /PRNewswire/ — Four attorneys from Francis Mailman Soumilas, P.C., a nationally recognized consumer protection law firm based in Philadelphia, have been selected to the 2026 Pennsylvania Super Lawyers list for their exceptional work representing consumers in complex litigation matters. James A. Francis, Mark D. Mailman, John J. Soumilas, and Joseph L.
Most consumers know that their credit report affects whether they can get a mortgage, a car loan, or a credit card. Far fewer know that a separate consumer report follows them through the insurance market, quietly shaping what they pay for auto and homeowners coverage, and in some cases whether they can get coverage at
You found a place. You applied. Everything seemed to be moving forward. Then the answer came back: Denied. And the reason? A background check. For many people, that moment brings more than just confusion; it brings stress, urgency, and a lot of unanswered questions. What was in the report? Was it accurate? And did it
Many people believe that filing a credit report dispute will resolve the issue. This is the intended purpose of the dispute process. However, disputes do not always result in corrections, even when errors are clear. We regularly see situations where a dispute is submitted, the process moves forward, and the response comes back with no
You apply for a job or an apartment, and everything seems to be moving forward. Then the background check comes back, and something isn’t right. Maybe it shows a criminal record that doesn’t belong to you. Maybe something outdated appears that should have been removed. Or maybe the report is incomplete in a way that
If you’ve ever tried to fix an error on your credit report, you already know the drill. You write a letter. You attach your proof. You wait. And weeks later, a form response comes back telling you the inaccurate information has been “verified” — even though nothing about it is actually accurate. It’s frustrating. It’s
For many consumers, mobile banking apps promise convenience, speed, and control. But when fraud hits your account, what matters most isn’t the app—it’s whether your money is protected under federal law. If you’ve experienced unauthorized transactions on a Chime Financial, Inc. account and were denied reimbursement, you are not alone—and the law may be on