FCRA Court Ruling: Howley v. Experian Info. Solutions, Inc.

On September 27, a federal district court in New Jersey held that an individual could assert a cause of action under the Fair Credit Reporting Act (FCRA) for the mistaken inclusion of his personal information in the consumer report of someone else that was then disclosed to a third party. The court concluded that a FCRA cause of action is not limited to only the individual who is the subject of the alleged inaccurate consumer report. The court stated that given the remedial nature of the FCRA, an individual should be able to bring a claim if he has been harmed as a result of his personal information appearing on another person’s consumer report.

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