Sentences with phrase «reporting agencies without»

If you are required to notify more than 1,000 persons of a security breach at one time, you are also required to notify consumer reporting agencies without unreasonable delay.

(1) A credit services organization, its salespersons, agents, and representatives, and independent contractors who sell or attempt to sell the services of a credit services organization may not do any of the following: (a) conduct any business regulated by this chapter without first: (i) securing a certificate of registration from the division; and (ii) unless exempted under Section 13 -21-4, posting a bond, letter of credit, or certificate of deposit with the division in the amount of $ 100,000; (b) make a false statement, or fail to state a material fact, in connection with an application for registration with the division; (c) charge or receive any money or other valuable consideration prior to full and complete performance of the services the credit services organization has agreed to perform for the buyer; (d) dispute or challenge, or assist a person in disputing or challenging an entry in a credit report prepared by a consumer reporting agency without a factual basis for believing and obtaining a written statement for each entry from the person stating that that person believes that the entry contains a material error or omission, outdated information, inaccurate information, or unverifiable information; (e) charge or receive any money or other valuable consideration solely for referral of the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 upon substantially the same terms as those available to the general public; (f) make, or counsel or advise any buyer to make, any statement that is untrue or misleading and that is known, or that by the exercise of reasonable care should be known, to be untrue or misleading, to a credit reporting agency or to any person who has extended credit to a buyer or to whom a buyer is applying for an extension of credit, with respect to a buyer's creditworthiness, credit standing, or credit capacity; (g) make or use any untrue or misleading representations in the offer or sale of the services of a credit services organization or engage, directly or indirectly, in any act, practice, or course of business that operates or would operate as fraud or deception upon any person in connection with the offer or sale of the services of a credit services organization; and (h) transact any business as a credit services organization, as defined in Section 13 -21-2, without first having registered with the division by paying an annual fee set pursuant to Section 63J -1-504 and filing proof that it has obtained a bond or letter of credit as required by Subsection (2).

(l) Submit a buyer's dispute to a consumer credit reporting agency without the buyer's knowledge.

A company that compiled and sold criminal record reports has entered into a settlement agreement with the Federal Trade Commission as a result of charges that it operated as a consumer reporting agency without taking consumer protection measures required by the Fair Credit Reporting Act (FCRA).

Not exact matches

The FCAC commissioner's comments come as the agency released the findings of an intensive review of business practices across Canada's Big Six banks, launched last April following media reports alleging questionable sales tactics such as selling services without the consent of customers.

The Nikkei Asian Review has reported that Japan's financial regulator, the Financial Services Agency (FSA), has warned leading cryptocurrency exchange Binance that it will face criminal charges if it continues its Japanese operations without a license.

To date, four of 11 baseline reports that have been filed with the DOGAMI have been approved without change by the specific state agency responsible for the subject matter of the report.

The agency started daily reports on Hurricane Maria, which has wreaked chaos in Puerto Rico and left the island without power or working phone or internet, three days later.

In a meeting a few days later with thousands of journalists, the pope reminded his rapt audience that the Church can not be understood, or reported on, as if it were simply another political agency; the Church has to be understood from the inside out, as «the holy People of God making its way to encounter Jesus Christ,» without whom «Peter and the Church would not exist or have reason to exist.»

Responding to reports that staff who left Oxfam in Haiti later joined other aid agencies, without their knowledge of the incidents, Christian Aid: «We are committed to living out our values of respect and dignity for all, and we will investigate any claims about any individuals involved in the Haiti incident to ascertain the facts, should they relate to Christian Aid and should we receive further information.»

Pollard's lawyers have said that they have secured a job and housing for him in the New York area, without elaborating, the Associated Press news agency reported.

Cuomo says the power of credit reporting agencies has grown over the past couple of decades, without corresponding oversight.

In particular, the report found, the agency paid $ 4.6 million to a Western New York landfill, Seneca Meadows, and another $ 3.1 million on fuel for private contractors to haul waste 236 miles to the site without looking for a closer or cheaper disposal facility.

China has condemned Zambia for detaining 31 of its nationals for alleged illegal mining without providing strong proof, Reuters news agency reports.

In a letter addressed to governor El - Rufai and jointly signed by Chairman, Security Sub-Committee Birnin Gwari Emirate Progressive Union, Muazu Idris and the President of the union, Murtala Abdullahi and copied to security agencies and relevant stakeholders, the group lamented that «Reports have it that in Doka village and kungi - gari (15 km away from Birnin Gear town) bandits attend markets brandishing AK47 riffles in the open without any challenge by security agents.

The JTF urged the people of Niger Delta to report any suspicious act and movement of criminals in the state without hesitation to the JTF or any other security agencies for swift action.

The bill also gives the agency the authority to pull products off the shelves immediately when customers have reported bad reactions, without waiting for a review that can take multiple years.

In a report last year, NASA's Inspector General stated that the agency is unlikely to meet that without additional funding, so NASA has asked Congress to approve a further $ 10 million in 2016.

Since evidence suggests that pregnant women with Zika but without symptoms can also have babies with microcephaly, the agency will now report all pregnant women with evidence of Zika virus.

The Associated Press reports that the state agency has agreed to schedule a meeting in May to discuss and / or settle the complaint without further disciplinary action.

In a society where it's almost impossible to make any major purchase without a line of credit, we don't have much of a choice other than to accept credit reporting agencies as vanguards of personal lifetime data, knowing full well that an error on their part could literally affect ordinary citizens for the rest of their lives.

Summative Assessment Reports will not be provided to the Resident's school district or any agency or individual without the written request and consent of the Resident.

Many districts used this option in an effort to focus limited time and resources on new and struggling teachers; however, despite the law's provision for districts to allow teachers to go for up to five years without an appraisal, unofficial reports from the Texas Education Agency showed that the longest most districts allowed for was three years.

Order a copy of your credit report from all credit agencies and dispute any inaccuracy you may find — this would often boost your score without doing anything else.

However, after the incident last day, I am not so confident, and am really afraid this might not end well and I might be reported to a collections agency without me knowing or in the loop!

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.

It's also important to check out any potential new student loans that may have appeared on your report without your knowledge, as well as accounts with debt collection agencies.

With the pay for deletion method, you're taking the debt settlement negotiating a step further by asking the debt collection agency to actually remove the charged - off account from your credit report in addition to accepting your offer as «payment in full without recourse».

The Toronto Star reported that Canada's largest not for profit credit counselling agency, Consolidated Credit Counseling Services of Canada operates without certified counsellors.

«All consumer reporting agencies described in subsections (p) and (w) of section 1681a of this title shall make all disclosures pursuant to section 1681g of this title once during any 12 - month period upon request of the consumer and without charge to the consumer.»

A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer.

That means you can get one report every four months (three per year) without cost or charge by going to AnnualCreditReport.com, a centralized service developed by the three major credit reporting agencies and the FTC.

A person who obtains a credit report without proper authorization — or an employee of a credit reporting agency who gives a credit report to unauthorized persons — may be fined up to $ 5,000 or imprisoned for one year, or both.

A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent.

Among first - tier lenders, as well as finance companies (second - tier lenders), a consolidation loan will not happen without a credit check on your rating as set by Canada's two credit reporting agencies, Equifax and TransUnion.

A consumer report security freezes limits a consumer reporting agency from releasing a credit report or any information from the report without authorization from the consumer.

Without any real question of reporting accuracy in this situation — having admitted your own oversight as the cause — there is only one way a credit repair agency can live up to such a promise.

Keep in mind that if you deal directly with the creditor and you are dissatisfied with the result, you will not be able to sue the creditor without initiating a dispute through the credit - reporting agency.

YOU UNDERSTAND THAT BY ACCEPTING THESE TERMS AND CONDITIONS YOU ARE PROVIDING «WRITTEN INSTRUCTIONS» TO ZANDER IDENTITY THEFT SOLUTIONS («We» or «Us») AND ITS, EMPLOYEES, AGENTS, SUBSIDIARIES, AFFILIATES, CONTRACTORS, THIRD PARTY DATA PROVIDERS, AND ALL NATIONAL CREDIT REPORTING AGENCIES UNDER THE FAIR CREDIT REPORTING ACT (FCRA), AS AMENDED, INCLUDING, WITHOUT LIMITATION, EXPERIAN, TRANSUNION, EQUIFAX AND AFFILIATED ENTITIES, TO ACCESS YOUR CREDIT FILES FROM EACH NATIONAL CREDIT REPORTING AGENCY AND TO EXCHANGE INFORMATION ABOUT YOU WITH EACH SUCH NATIONAL CREDIT REPORTING AGENCY IN ORDER TO VERIFY YOUR IDENTITY AND TO PROVIDE THE SERVICES TO YOU.

A person who obtains a credit report without proper authorization, or an employee of a credit reporting agency who gives a credit report to unauthorized persons, may be fined up to $ 5,000 or imprisoned for one year, or both.

In one case, an individual had been working with the reporting agency for six years without getting his legitimate request resolved.

Credit inquiries made without your permission can indicate fraud; in which case the credit reporting agencies may put a fraud alert in your files.

Here's what the agency does know: According to data collected since 2007, 60 percent of the reports involve gastrointestinal illness (with or without elevated liver enzymes) and about 30 percent relate to kidney or urinary signs.

The Michigan Agency for Energy's report details what could happen in Michigan under the Clean Power Plan — and without it.

Without extra investment to raise production, the natural annual rate of output decline is 9.1 per cent, the International Energy Agency says in its annual report, the World Energy Outlook, a draft of which has been obtained by the Financial Times.

As the report highlights; «Without agency there is no adaptive capacity, and without adaptive capacity there is no sustainability or ongoing development.Without agency there is no adaptive capacity, and without adaptive capacity there is no sustainability or ongoing development.without adaptive capacity there is no sustainability or ongoing development.»

New roads are built all the time in Turkey without much fuss, but the prospect of losing a massive oak tree that had stood in their town for 800 years brought residents of one Aegean village out into the streets recently to halt the completion of the Denizli - Salihli Highway.Villagers and environmentalists in Kadıköy village, part of Buldan district in Denizli province, began standing guard around the 800 - year - old oak tree to keep it from being chopped down as part of the road - construction process, the Doğan news agency reported this week.

It was the finding of the Privacy Commissioner of Canada that by maintaining and sharing this information, the association was acting as a credit reporting agency, albeit without the requisite license from the province.

Thereafter over a period of at least five months she received letter after letter and threat after threat from British Gas to cut off her supply, start legal proceedings against her and report her to credit reference agencies — all without justification.

We would not know, as far from imposing even rudimentary reporting obligations, TSPs are prevented from ever disclosing such sharing has occurred without first seeking permission from the requesting agency (section 9 (2.1) of PIPEDA).