Fair credit reporting act or FCRA is a law that establishes the rules to access, retain, and sharing of credit information of consumers. It gives some rights to consumers and one of them allows a consumer to access his personal credit report once a year. A consumer may dispute against the inclusion of inaccurate or incomplete credit information being used against the consumer.
The credit information of a consumer can be accessed through credit rating agencies by different businesses for various reasons. For example, a bank may access the credit information of a consumer before approving a credit facility or a loan to a consumer.
The San Antonio Retail Merchants Association (SARMA) was a credit
I. Factual and Procedural Background [Keith Santangelo filed a complaint
1. Although most perpetrators begin their thefts because of a perceived
Santangelo v. Comcast Corp. United States District Court,
