Sentences with phrase «including consumer reporting agencies»

Third parties, including consumer reporting agencies that provide us with driving records, claim histories, and credit information; fraud prevention organizations; other insurance companies; and the police.

This would include consumer reporting agencies such as Experian, Equifax, Transunion, Chexsystems also.

Not exact matches

Since the scope and breadth of the nation's surveillance program was revealed by documents leaked by former security contractor Edward Snowden last summer, other reports about the NSA's surveillance methods have followed, including one that alleges the agency placed spyware on consumer electronics made by Microsoft, Cisco and other major brands.

Entities that may still have access to your Equifax credit file include: companies like Equifax Global Consumer Solutions which provide you with access to your credit report or credit score, or monitor your credit file; federal, state, and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection purposes; and companies that wish to make pre-approved offers of credit or insurance to you.

Equifax, a major consumer credit reporting agency, disclosed Thursday that hackers had obtained sensitive information, including Social Security numbers and dates of birth, for 143 million people.

Estimates are based on the analysis of various elements related to the ad spending market, including macro-level economic conditions; historical trends of the advertising market; historical trends of each medium in relation to other media; reported revenues from major ad publishers; estimates from other research firms; data from benchmark sources; consumer media consumption trends; consumer device usage trends; and eMarketer interviews with executives at ad agencies, brands, media publishers and other industry leaders.

Products that are subject to the recall also include exports to China, Taiwan, Pakistan, Afghanistan, Iraq, Morocco, Lebanon, Sudan, Romania, Serbia, Georgia, Greece, Haiti, Colombia, and Peru, Reuters reported citing France's consumer protection agency DGCCRF.

I / we agree that if any material change (s) occur (s) in my / our financial condition that I / we will immediately notify BSHFC of said change (s) and unless Baby Safe Homes Franchise Corporation is so notified it may continue to rely upon the application and financial statement and the representations made herein as a true and accurate statement of my / our financial condition.nI / we authorize Baby Safe Homes Franchise Corporation to make whatever credit inquiries / background checks it deems necessary in connection with this application and financial statement.nI / we authorize and instruct any person or consumer reporting agency to furnish to BSHFC any information that it may have to obtain in response to such credit inquiries.nIn consideration of the ongoing association between Baby Safe Homes and the undersigned applicant (hereinafter u201cApplicantu201d), the parties hereto have entered into this Non-Disclosure and Non-Competition Agreement.nWHEREAS, in the course of its business operations, Baby Safe Homes provides its customers products and services which, by nature of the business, include trade secrets, confidential and proprietary information, and other matters deemed material or important enough to warrant protection; and WHEREAS, Applicant, by reason of his / her interest in Baby Safe Homes and in the course of his / her duties, has access to said secrets and confidential information; and WHEREAS, Baby Safe Homes has trade secrets and other confidential and proprietary information, including procedures, customer lists, and particular desires or needs of such customers to which Applicant has access in the course of his / her duties as an Applicant.nNow, therefore, in consideration of the premises contained herein, the parties agree as follows Applicant shall not, either during the time of his / her franchise evaluation with Baby Safe Homes or at any time thereafter either directly or indirectly, communicate, disclose, reveal, or otherwise use for his / her own benefit or the benefit of any other person or entity, any trade secrets or other confidential or proprietary information obtained by Employee by virtue of his / her employment with Baby Safe Homes, in any manner whatsoever, any such information of any kind, nature, or description concerning any matters affecting or relating to the Baby Safe Homes business, or in the business of any of its customers or prospective customers, except as required in the course of his / her employment by Baby Safe Homes or except as expressly authorized Baby Safe Homes Franchise Corporation, in writing.nDuring any period of evaluation with Baby Safe Homes, and for two (2) years thereafter, Applicant shall not, directly or indirectly, induce or influence, divert or take away, or attempt to divert or take away and, during the stated period following termination of employment, call upon or solicit, or attempt to call upon or solicit, any of the customers or patrons Baby Safe Homes including, but not limited to, those upon whom he / she was directly involved, or called upon, or catered to, or with whom became acquainted while engaged in the franchise evaluation process of a Baby Safe Homes franchise business.

The routine uses of this information include, but are not limited to, its disclosure to federal, state, or local agencies, to private parties such as relatives, present and former employers, business and personal associates, to consumer reporting agencies, to financial and educational institutions, and to guaranty agencies in order to verify your identity, to determine your eligibility to receive a loan or a benefit on a loan, to permit the servicing or collection of your loan (s), to enforce the terms of the loan (s), to investigate possible fraud and to verify compliance with federal student financial aid program regulations, or to locate you if you become delinquent in your loan payments or if you default.

This agency will take complaints about most types of lenders, including banks, mortgage companies, credit reporting companies, auto lenders, student loans, and consumer loans, including payday loans.

(B) «Credit repair services organization» does not include: (i) Any person authorized to make loans or extensions of credit under the laws of this state or the United States who is subject to regulation and supervision by this state or the United States; (ii) Any bank or savings and loan institution whose deposits or accounts are eligible for insurance by the Federal Deposit Insurance Corporation or the Savings Association Insurance Fund of the Federal Deposit Insurance Corporation; (iii) Any nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986; (iv) Any person licensed as a real estate broker by this state if the person is acting within the course and scope of that license; (v) Any person licensed to practice law in this state if the person renders services within the course and scope of his or her practice as an attorney; (vi) Any broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission if the broker - dealer is acting within the course and scope of those regulatory agencies; or (vii) Any consumer reporting agency as defined in the federal Fair Credit Reporting Act (15 U.S.C. 1681 reporting agency as defined in the federal Fair Credit Reporting Act (15 U.S.C. 1681 Reporting Act (15 U.S.C. 1681 - 1681t).

The consumer credit reporting agency also must send you a notice, in writing, that includes the address, name and telephone number of the information provider.

The massive data breach has also led to a number of high - profile departures at the Atlanta - based consumer credit reporting agency, including its chief executive, chief information officer and chief security officer.

«Providing both consumers and businesses with accurate, transparent credit reports is our first priority,» said Stuart Pratt, President and CEO of the Consumer Data Industry Association, the trade association representing the consumer data industry, including the three national credit reporting aConsumer Data Industry Association, the trade association representing the consumer data industry, including the three national credit reporting aconsumer data industry, including the three national credit reporting agencies.

FINANCIAL DATA VERIFICATION: You agree that we are authorized to verify financial information, data, and employment history from time to time and at any time, by any necessary means, including obtaining a credit report from any credit bureau or consumer - reporting agency.

Consumers who dispute items on their credit reports will receive additional information from the credit reporting agencies along with the results of their dispute, including a description of what they can do if they are not satisfied with the outcome of their dispute.

Terms, defined.For purposes of the Credit Services Organization Act: (1) Buyer shall mean an individual who is solicited to purchase or who purchases the services of a credit services organization; (2) Consumer reporting agency shall have the meaning assigned by the Fair Credit Reporting Act, 15 U.S.C. 1681a (f); (3) Credit services organization shall mean a person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides or represents that the person can or will provide any of the following services: (a) Improving a buyer's credit record, history, or rating; (b) Obtaining an extension of credit for a buyer; or (c) Providing advice or assistance to a buyer with regard to subdivision (a) or (b) of this subdivision; (4) Extension of credit shall mean the right to defer payment of debt or to incur debt and defer its payment offered or granted primarily for personal, family, or household purposes; and (5) Person shall include individual, corporation, company, association, partnership, limited liability company, and other businesreporting agency shall have the meaning assigned by the Fair Credit Reporting Act, 15 U.S.C. 1681a (f); (3) Credit services organization shall mean a person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides or represents that the person can or will provide any of the following services: (a) Improving a buyer's credit record, history, or rating; (b) Obtaining an extension of credit for a buyer; or (c) Providing advice or assistance to a buyer with regard to subdivision (a) or (b) of this subdivision; (4) Extension of credit shall mean the right to defer payment of debt or to incur debt and defer its payment offered or granted primarily for personal, family, or household purposes; and (5) Person shall include individual, corporation, company, association, partnership, limited liability company, and other businesReporting Act, 15 U.S.C. 1681a (f); (3) Credit services organization shall mean a person who, with respect to the extension of credit by others and in return for the payment of money or other valuable consideration, provides or represents that the person can or will provide any of the following services: (a) Improving a buyer's credit record, history, or rating; (b) Obtaining an extension of credit for a buyer; or (c) Providing advice or assistance to a buyer with regard to subdivision (a) or (b) of this subdivision; (4) Extension of credit shall mean the right to defer payment of debt or to incur debt and defer its payment offered or granted primarily for personal, family, or household purposes; and (5) Person shall include individual, corporation, company, association, partnership, limited liability company, and other business entity.

A credit services organization or a representative of the organization may not: (1) make or use a false or misleading representation in the offer or sale of the services of the organization, including: (A) guaranteeing to «erase bad credit» or words to that effect unless the representation clearly discloses this can be done only if the credit history is inaccurate or obsolete; and (B) guaranteeing an extension of consumer credit regardless of the person's credit history unless the representation clearly discloses the eligibility requirements for obtaining the extension; or (2) make, or advise a consumer to make, a statement relating to a consumer's credit worthiness, credit standing, or credit capacity that the person knows, or should know by the exercise of reasonable care, to be false or misleading to a: (A) consumer reporting agency; or (B) person who has extended consumer credit to a consumer or to whom a consumer is applying for an extension of consumer credit.

Because Equifax also operates a consumer credit reporting agency, it is able to produce credit scores that include information about the owner's personal credit along with commercial credit data about the business.

Prohibited acts.A credit services organization, a salesperson, agent, or representative of a credit services organization, or an independent contractor who sells or attempts to sell the services of a credit services organization shall not: (1) Charge a buyer or receive from a buyer money or other valuable consideration before completing performance of all services, other than those described in subdivision (2) of this section, which the credit services organization has agreed to perform for the buyer unless the credit services organization has obtained a surety bond or established and maintained a surety account as provided in section 45 - 805; (2) Charge a buyer or receive from a buyer money or other valuable consideration for obtaining or attempting to obtain an extension of credit that the credit services organization has agreed to obtain for the buyer before the extension of credit is obtained; (3) Charge a buyer or receive from a buyer money or other valuable consideration solely for referral of the buyer to a retail seller who will or may extend credit to the buyer if the credit that is or will be extended to the buyer is substantially the same as that available to the general public; (4) Make or use a false or misleading representation in the offer or sale of the services of a credit services organization, including (a) guaranteeing to erase bad credit or words to that effect unless the representation clearly discloses that this can be done only if the credit history is inaccurate or obsolete and (b) guaranteeing an extension of credit regardless of the person's previous credit problem or credit history unless the representation clearly discloses the eligibility requirements for obtaining an extension of credit; (5) Engage, directly or indirectly, in a fraudulent or deceptive act, practice, or course of business in connection with the offer or sale of the services of a credit services organization; (6) Make or advise a buyer to make a statement with respect to a buyer's credit worthiness, credit standing, or credit capacity that is false or misleading or that should be known by the exercise of reasonable care to be false or misleading to a consumer reporting agency or to a person who has extended credit to a buyer or to whom a buyer is applying for an extension of credit; or (7) Advertise or cause to be advertised, in any manner whatsoever, the services of a credit services organization without filing a registration statement with the Secretary of State under section 45 - 806 unless otherwise provided by the Credit Services Organization Act.

Credit scores produced by SageStream range from 001 to 999, whereas scores produced by other consumer reporting agencies, which could include FICO scores, can, for example, range from 300 to 850 or from 250 to 900.

The employer is not permitted to use information from the consumer report in violation of any applicable Federal or State equal employment opportunity law or regulation; and the consumer reporting agency must include a summary of the consumer's rights with the report.

In Ontario, credit reporting agencies must follow the Consumer Reporting Act which sets out the various rules and guidelines governing such agencies and their activities, including how long items can be reported to your credireporting agencies must follow the Consumer Reporting Act which sets out the various rules and guidelines governing such agencies and their activities, including how long items can be reported to your crediReporting Act which sets out the various rules and guidelines governing such agencies and their activities, including how long items can be reported to your credit report.

The consumer credit reporting agency is obligated to include your statement or a summary of your statement about disputed information in any report it issues about you.

«Credit Services Organization» does not include any of the following: (i) a person authorized to make loans or extensions of credit under the laws of this State or the United States who is subject to regulation and supervision by this State or the United States, or a lender approved by the United States Secretary of Housing and Urban Development for participation in a mortgage insurance program under the National Housing Act (12 U.S.C. Section 1701 et seq.); (ii) a bank or savings and loan association whose deposits or accounts are eligible for insurance by the Federal Deposit Insurance Corporation or the Federal Savings and Loan Insurance Corporation, or a subsidiary of such a bank or savings and loan association; (iii) a credit union doing business in this State; (iv) a nonprofit organization exempt from taxation under Section 501 (c)(3) of the Internal Revenue Code of 1986, [FN1] provided that such organization does not charge or receive any money or other valuable consideration prior to or upon the execution of a contract or other agreement between the buyer and the nonprofit organization; (v) a person licensed as a real estate broker by this state if the person is acting within the course and scope of that license; (vi) a person licensed to practice law in this State acting within the course and scope of the person's practice as an attorney; (vii) a broker - dealer registered with the Securities and Exchange Commission or the Commodity Futures Trading Commission acting within the course and scope of that regulation; (viii) a consumer reporting agency; and (ix) a residential mortgage loan broker or banker who is duly licensed under the Illinois Residential Mortgage License Act of 1987.

Included are step - by - step instructions, answers to the most often asked questions, consumer credit rights, sample letters to use when communicating with the various credit reporting agencies about credit file questions and difficulties and much more.

This includes denial of credit, insurance or employment as well as reports from collection agencies or judgments, but consumers must request the report within 60 days from the date the adverse action occurred.

While lenders and creditors have no obligation to agree to negotiate the amount a consumer owes to them, they have a legal obligation to provide correct knowledge to the credit reporting agencies, including your failure to make on - time every month payments.

While creditors have no obligation to agree to negotiate the amount a consumer owes, they have a legal obligation to provide accurate information to the credit reporting agencies, including your failure to make monthly payments.

Information maintained about you by consumer reporting agencies, including credit bureaus; and

Companies that provide information to consumer reporting agencies also have specific legal obligations, including the duty to investigate disputed information.

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).

Credit reporting agencies must notify recent credit report recipients (as specified by the consumer) of corrections that may have been made, or the consumer's side of the story — and they must include this information in future reports

Information gathered from consumer reporting agencies, with include but are not limited to your overall credit worthiness as well as up to date credit history.

You authorize Plain Green («us» or «we») to verify the information given in connection with this loan application, and you give us consent to obtain information about you from a consumer reporting agency or other sources to verify all of the information you have provided us, including past and / or current information.

In Ontario, credit reporting is governed by the Consumer Reporting Act which states, in subsection 9 (3)(e), that a consumer reporting agency shall not include in a consumer report «information as to the bankruptcy of the consumer after seven years from the date of the discharge except where the consumer has been bankrupt more than oncreporting is governed by the Consumer Reporting Act which states, in subsection 9 (3)(e), that a consumer reporting agency shall not include in a consumer report «information as to the bankruptcy of the consumer after seven years from the date of the discharge except where the consumer has been bankrupt more than onceConsumer Reporting Act which states, in subsection 9 (3)(e), that a consumer reporting agency shall not include in a consumer report «information as to the bankruptcy of the consumer after seven years from the date of the discharge except where the consumer has been bankrupt more than oncReporting Act which states, in subsection 9 (3)(e), that a consumer reporting agency shall not include in a consumer report «information as to the bankruptcy of the consumer after seven years from the date of the discharge except where the consumer has been bankrupt more than onceconsumer reporting agency shall not include in a consumer report «information as to the bankruptcy of the consumer after seven years from the date of the discharge except where the consumer has been bankrupt more than oncreporting agency shall not include in a consumer report «information as to the bankruptcy of the consumer after seven years from the date of the discharge except where the consumer has been bankrupt more than onceconsumer report «information as to the bankruptcy of the consumer after seven years from the date of the discharge except where the consumer has been bankrupt more than onceconsumer after seven years from the date of the discharge except where the consumer has been bankrupt more than onceconsumer has been bankrupt more than once.»

Include documentation supporting your claims.4 Each credit reporting agency offers a page on their websites, as well as a mailing address, where consumers can do this.

This information may include credit checks from national consumer reporting agencies.

To help us respond to your notification, you must include your Credit Account number, Social Security number, the name of the consumer - reporting agency reflecting the inaccurate information, and an explanation of why you believe the information is inaccurate.

Mr. Goheen has served as lead or co-counsel in over 25 privacy - based class actions in state and federal courts, including over 20 class actions against consumer reporting agencies alleging violations of the Fair Credit Reporting Act, representing such clients as SunTrust Banks, Shell, Countrywide, Equifax, Bank of America, and Capreporting agencies alleging violations of the Fair Credit Reporting Act, representing such clients as SunTrust Banks, Shell, Countrywide, Equifax, Bank of America, and CapReporting Act, representing such clients as SunTrust Banks, Shell, Countrywide, Equifax, Bank of America, and Capital One.

ANSWER: C. And the notice must include the name, address, and phone number of the Consumer Reporting Agency that supplied the report; a statement that the company that supplied the report did not make the decision to take the unfavorable action and can't give specific reasons for it; a notice of the person's right to dispute the accuracy or completeness of any information the consumer reporting company furnished; and a statement the applicant / employee has the right to request a free report from the company if the request is made within Consumer Reporting Agency that supplied the report; a statement that the company that supplied the report did not make the decision to take the unfavorable action and can't give specific reasons for it; a notice of the person's right to dispute the accuracy or completeness of any information the consumer reporting company furnished; and a statement the applicant / employee has the right to request a free report from the company if the request is made withinReporting Agency that supplied the report; a statement that the company that supplied the report did not make the decision to take the unfavorable action and can't give specific reasons for it; a notice of the person's right to dispute the accuracy or completeness of any information the consumer reporting company furnished; and a statement the applicant / employee has the right to request a free report from the company if the request is made within consumer reporting company furnished; and a statement the applicant / employee has the right to request a free report from the company if the request is made withinreporting company furnished; and a statement the applicant / employee has the right to request a free report from the company if the request is made within 60 days.

When employers use background screening companies (consumer reporting agencies) for employee background checks (including credit reports, employment verifications, criminal records screening, driving records, and more) to hire new employees and evaluate existing employees for promotion, reassignment, and retention, they are bound by FCRA regulations.

Fair Credit Reporting Act (FCRA): Every employer who uses third party agencies to research and report on consumers (including background checks) has to comply with the FCRA process for using this information.

«The Council will work with applicants, staff and NAPBS consultants to select six participant companies that provide a diverse cross-section of the potential applicant pool, including small, medium and large Consumer Reporting Agencies.

The Internet website address of the investigative consumer reporting agency or, if the agency has no Internet website address, the telephone number of the agency where the consumer may find information about the investigative reporting agency's privacy practices, including whether the consumer's personal information will be sent outside the United States or its territories and other required information.

The facts showed that the college utilized the services of a background screening firm (called a Consumer Reporting Agency or CRA) to conduct a background check, including a check for criminal records, and the CRA in turn used other researchers.

Her practice includes the representation of Consumer Reporting Agencies (CRAs), entities who furnish information to CRAs, and employers who use background checks for employment purposes.

SH 909 defines «third parties» as including, «but not being limited to, a contractor, foreign affiliate, wholly owned entity, or an employee of the investigative consumer reporting agency.»

Brand Marketing and Promotional Design — Selected Duties and Responsibilities Lead through example with consistent work ethic, attitude, and professionalism, while developing brand promotion strategies through the tactical assessment and analysis of target markets, clients, and consumers Manage all aspects of publication and promotional media design, including content development, pre-promotional material utilization, budgetary considerations, and deadline adherence Monitor all campaigns from initiation to completion, executing changes and modifications as needed to ensure program success Provide guidance and leadership with respect to marketing campaign strategy development, benchmarking, implementation, post-execution analysis, theme development, and process optimization Measure the success of marketing initiatives using data and related key metrics, ROI considerations, and related data, ensuring the maximization of competitive abilities while providing regular and ad - hoc reporting to both and clients Partner with advertising operations and other teams as needed to troubleshoot delivery issues and optimize campaign performance within the limits of available material and resource inventories as well as related logistical concerns Utilize talent among team with focused collaboration and the promotion of a performance - based environment leveraging individual talents for group benefit, soliciting creative materials from internal teams and external agencies per established specifications Screen and test submitted materials to ensure compliance with technical considerations and client specifications Address key client queries and resolve them in an expedited manner while communicating status updates across all teams, promoting sustained revenue growth through client retention, relationship development, and program success Meet and exceed all marketing targets while tracking progress versus established internal and external industry benchmarks, focusing on both revenue generation as well as cost control Maintain a strong working knowledge of products, services, and the respective marketplace, including pricing and regulatory trends, client requirements, competitor strategies, and product growth Act as a liaison between clients, vendors, sales and support staff, and executive management to ensure client satisfaction, timely implementation, and operational efficiency

The report is likely to suggest stripping some powers from the consumer agency, including its authority to examine banks.