Tenant or Rental screening reports are used by many landlords. These reports usually fall within the definition of a report covered by the Fair Credit Reporting Act which gives consumers tenants significant rights. Inaccurate reports can wrongly keep a consumer from getting a rental place to live. When these tenant or rental screening reports are inaccurate, consumer tenants may have claims against the screening company that sold the inaccurate reports to the prospective landlords. In a case filed in the United States District Court for Southern District of New York by Debra Massey against On-site Manager, Inc., the court approved a class action settlement against On-site Manager, Inc., for the payment of funds to class members across the country on this basis.
Debra Massey claimed that On-site Manager sold tenant screening reports to prospective landlords and included inaccurate or outdated information such as civil actions filed against consumers that never resulted in a judgment and that were more than 7 years old. This is a practice that is prohibited by the Fair Credit Reporting Act.
For more information on the use of consumer reports such as a tenant screening report in the rental of consumer properties, you can visit our website pages on consumer credit reports at http://www.celcwi.com/help_inaccurate_credit_reports.html.
By Gordon Leech 10/29/2012
Did you know that an employer is legally responsible for keeping track of your work hours and maintaining these records? Even still, I have found that employers in violation of the Wage and Hour laws, particularly those that mis-classify an employee as exempt from overtime pay or that pay employees under the table, without making any of the legally required contributions to social security, unemployment or overtime pay, don’t keep track of hours. An employer’s failure to abide by its legal obligation to make and maintain your work hours may benefit it if you have a claim for unpaid overtime wages or minimum wages because the employer will argue that you did not work the claimed hours. Having your own record of hours worked can help in these situations, but is not necessarily required under the law for an overtime or minimum wage pay claim.
If you want to track your hours each week, the U.S. Department of Labor has made it easy. It created an application for the IPhone that is available for free. You can find out more about wage laws and how to download this free application at our website page on Unpaid Overtime Law by following this link: http://www.celcwi.com/upaid_overtime_wages.html
I consider the Americans with Disabilities Act, which prohibits employment discrimination against people with serious health conditions, one of the most important laws we have in employee rights. Cases of disability discrimination are often the most compelling cases I come across. Don Boswell, an attorney and good friend of mine, represents Mr. Cupid. Sysco, Mr. Cupid’s former employer, terminated his employment just days after Mr. Cupid discovered he needed and was qualified for a kidney transplant, as reported by The Palm Beach Post wrote an article regarding this matter. Here is a link to the story:
The impact of the termination in this case is extreme. Not only did Mr. Cupid lose his economic stability, he lost his health insurance and was taken off the transplant list as a result.
If Mr. Cupid proves his claim, the ADA can restore him to his position at Sysco and provide compensation for his lost wages and non-economic harms. It cannot, however, restore the injury to his health in the meantime.
For more information about discrimination in employment and your rights under Federal and Wisconsin law, visit our page here at http://wisconsin-consumer.com/employment-rights-in-wisconsin/.
David Lazarus, a columnist that writes for the L.A. Times, recently wrote about his own experience with Identity Theft that occurred 15 years ago but still plagues him today. A copy of his article that appeared in the Chicago Tribune on Sept. 4, 2012, is at http://www.chicagotribune.com/business/yourmoney/la-fi-lazarus-20120904,0,3447151,full.column. It’s a familiar tale with victims of identity theft, unfortunately. It’s a good read to understand why it is important to check your own consumer credit reports at least once each year, which you can do for free, and look for any accounts listed that you did not open or on which you are not an account holder.
There are steps you can take too that if done soon enough can prevent many problems that can result with identity theft. If that is a problem for you, we have more information on identity theft on our website, www.celcwi.com.
The federal court of appeals for the 8th Circuit recently decided an important case addressing whether an insurance plan could recoup payments it made for an insured against the insured’s law firm after the insured recovered for his claims. The Eighth Circuit rejected the plan’s claims against the law firm.
In Treasurer, Trustees of Drury Industries, Inc., v. Goding; Casey & Devoti, P.C., (8th Cir., No. 11-2885, 9/7/2012), an ERISA plan attempted to recoup against an insured’s law firm the benefits it paid out for the insured’s treatment after the insured recovered in a civil claim related to a slip and fall accident. The insured filed and obtained a discharge of the plan’s claim through bankruptcy. The plan then sued the insured’s law firm from the slip and fall claim. The Eighth Circuit held that the plan could not recover against the insured’s attorney under the contractual subrogation provision of the contract with the insured because the attorney was not party to the plan. The court also rejected the plan’s theory under equity and a state cause of action for conversion against the law firm.
Here is a link to the Justia summary and the decision: http://j.st/7Y4
When someone else is using your social security number for employment purposes, it presents a difficult situation to resolve. While the answer to how to stop this from continuing is not clear, there are some things you can do.
You can contact the Social Security Administration and the Internal Revenue Service to notify them of the fraud, as you want to avoid tax liability on this imposter’s wages. Also, the imposter could potentially open credit using your SSN, which would cause you additional problems. So you can contact the consumer reporting agencies to report fraud and ask them to put a fraud alert on your consumer file. Every employer is also required to verify the identity of an employee using a form I-9, which is governed by the Dept. of Homeland Security, formerly the INS, so you could notify the Dept. of Homeland Security. Also, the Federal Trade Commission accepts complaints of identity theft, as they keep a database and cross-reference complaints for potential action. You can attempt to file a police report of the fraud, but the local police department may not accept the report, as many are reluctant to do so if there doesn’t appear to be an economic loss associated with the matter.
Providing the identity of the employers where the fraudster worked and to these agencies may help get some interest going on to investigate to help you find out the identity of the person using the SSN.
The FTC has a very good guide on what to do when your identity has been stolen. Anyone that is victimized by identity theft should review that site and follow its recommendations.
For more information on what you can do, visit our website page on Identity Theft at http://www.celcwi.com/page33.html.
Consumers and their attorneys were waiting with baited breath today for the decision by the U.S. Supreme Court in First American Financial v. Edwards. All breathed a sigh of relief today, June 28, 2012, when the high court of the nation decided not to decide this case, rejecting the appeal to the Supreme Court. Although the court initially said it would hear and issue a decision in the case, and the court waited until the last day of its term, the court found that the original basis for choosing to hear the case was mistaken and withdrew the certification of the case to the court.
This is actually a victory for consumers. The Ninth Circuit Court of Appeals, the lower court from which the case came, made a favorable decision for consumers, rejecting First American’s claim that a statute that provides for presumptive damages, known in the law as “statutory damages,” is unconstitutional. Had the Supreme Court agreed with First American, massive amounts of consumers would lose their day in court and it would have changed the landscape of consumer protection laws throughout the country.
In many consumer protection cases, the law provides that a court can award these presumptive or statutory damages where the consumer cannot prove actual damages. Congress has provided for statutory damages in consumer protection laws because violations cause harm beyond that inflicted on the particular consumer, it is a deterrent to break the law and actual damages can simply be hard to quantify and prove sometimes, though it is recognized that these violations do cause harm.
Some Federal protections that this decision could have affected include claims under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Real Estate Servicing Protection Act, Truth-in-Lending violations and others.
How to Pump Up Your Credit Score, according to the New York Times, May 17, 2012: http://www.nytimes.com/2012/05/20/realestate/mortgages-how-to-pump-up-your-credit-score.html?smid=pl-share.
According to the NYT, banks are tightening up lending requirements for mortgages and credit scores have a substantial impact on whether you can get a bank loan and what the interest rate will be. “A majority of banks are less likely to offer loans to people with a FICO credit score of 620 and a 10 percent down payment than they were in 2006 … [and] Lenders were also less likely to do so even for those with a score of 720.”
The two biggest factors that affect your credit score according to FICO, says the NYT, is “your payment history, which accounts for 35 percent of the score, and the amounts owed, accounting for 30 percent,” and reducing your balances on credit cards can help improve credit scores under the FICO model. A late payment occurring during the month that you apply for a mortgage loan “can be deadly,” according to the Director of Counseling at the Housing Development Fund, Stamford, Conn.
For these reasons, at CELCWI, we advise people to get your consumer reports from Experian, Equifax and Trans Union through www.annualcreditreport.com before applying for credit. Review the reports for any inaccuracies, and then dispute the inaccuracies with the consumer reporting agencies, in writing. If the inaccuracies continue after the disputes, consumers do have legal options to correct the reports and recover any resulting damages.
The FTC just won a court judgment against three get-rich-quick schemes that promised big dollars in real estate in return for minimal investments. These schemes typically target financially stressed consumers. Here is the story: http://www.nclc.org/conferences-training/consumer-rights-litigation-conference.html
The promises were the same ones you hear over and over, little to no money down and lots of money in return. The problem, less than one percent of the consumers that buy into the product ever see a return on the investment like the expectations the scheme creates. Oftentimes, these schemes bring you in for a small investment into their system and then give a hard sell to suck you into buying on their add-on products and “personal coaching” that really costs you.
The action by the FTC was against the marketers behind the infomercials for “John Beck’s Free & Clear Real Estate System,” “John Alexander’s Real Estate Riches in 14 Days,” and “Jeff Paul’s Shortcuts to Internet Millions.”
Did you know that Wisconsin law prohibits an employer and anyone acting on its behalf from making misrepresentations to an employee or prospective employee with the intent or for the purpose of inducing the public to enter into any contract or other obligation relating to the terms of employment?
Seldom used for this purpose, but Wisconsin Statutes 100.18, part of Wisconsin’s Marketing and Trade Practices protections, prohibits such misrepresentations in many consumer transactions and the employment context. If someone suffers pecuniary loss–generally a financial loss—he or she can a claim that can be enforced in the civil courts of Wisconsin for that loss plus the costs of the action and a reasonable attorney’s fee. If there was a prior injunction in place as to the offending conduct, then the injured consumer may recover twice his or her pecuniary loss.
Wisconsin Statues 103.43 has similar prohibitions specific to misrepresentations made to induce someone to leave one job for another, but typically applies in manual labor settings.
This law, if applied in the employment context, could cover false statements of wages, salary and other employment compensation or benefits. It could also cover situations where the employer promises a position without ever intending to actually hire the consumer. These inquiries, and whether the law would provide any remedy, are very fact specific to each circumstance.