Typically, these are creditors, with which a consumer has some sort of credit agreement (such as credit card companies, auto finance companies and mortgage banking institutions).
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While database companies like LexisNexis, Westlaw, ChoicePoint, and eFunds (owner of ChexSystems) do not create credit reports per se, they may gather the same types of information and as a result may subject some of their actions to FCRA, e.g. when they provide such information to insurance companies, banks and other entities which may deny services, or favorable rates for services, based on that information.
Class Action Lawsuit – Members of the Amalgamated Transit Union filed a class action lawsuit against First Group subsidiaries First Student and First Transit for violations of the Fair Credit Reporting Act in October 2009.
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