Class Action Alleges Experian Illegal Access to Consumer Files

With exceptions, the Fair Credit Reporting Act requires credit reporting agencies to limit access to consumers credit files to persons with whom the consumer has a credit relationship. A credit relationship is one in which the consumer and a creditor agreed the consumer could defer payment. Persons who do not have a credit relationship with the consumer have no right to look at the consumer’s credit files. If a person’s car is towed and stored off the street without his or her consent, the tow company will typically give the owner a notice to pay the tow and storage bills....

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