Credit reports under the fair credit reporting act

Assignment Help Operation Management

Reference no: EM132115402

Discussion #8: Part I: Use of Credit Reports under the Fair Credit Reporting Act; Part II: Repossession and Breach of the Peace

Course Content Learning Objective: Demonstrate how the legal environment controls activities between businesses and private citizens; Describe and explain important legal concepts, demonstrate the ability to apply them to new situations and communicate solutions

Chapter 9 Learning Objective: How consumers enter into credit transactions and what protections they are afforded when the do.

Chapter 10 Learning Objective: Priorities for claims on the security interest

Part I: Read the case study below Rodgers V. McCullough and answer the three questions at the end of the case study. Make certain to clearly indicate your answers to each of the three questions. Be complete in your answers.

Rodgers v. McCullough

296 F.Supp.2d 895 (W.D. Tenn. 2003)

This case concerns the Defendants’ receipt and use of Christine Rodgers’ consumer report. Ms. Rodgers gave birth to a daughter, Meghan, on May 4, 2001. Meghan’s father is Raymond Anthony. Barbara McCullough, an attorney, represented Mr. Anthony in a child custody suit against Ms. Rodgers in which Mr. Anthony sought to obtain custody and child support from Ms. Rodgers. Ms. McCullough received, reviewed, and used Ms. Rodgers’ consumer report in connection with the child custody case.

Ms. McCullough instructed her secretary, to obtain Ms. Rodgers’ consumer report. She reviewed the report in preparation for her examination of Ms. Rodgers during a hearing. She also used the report during the hearing, including attempting to move the document into evidence and possibly handing it to the presiding judge.

The dispute in this case centers around whether Ms. McCullough obtained and used Ms. Rodgers’ consumer report for a purpose permitted under the Fair Credit Reporting Act (the “FCRA”). Plaintiff contends that Ms. McCullough, as well as her law firm, Wilkes, McCullough & Wagner, a partnership, and her partners, Calvin J. McCullough and John C. Wagner, are liable for the unlawful receipt and use of Ms. Rodgers’ consumer report in violation 15 U.S.C. §§ 1681o (negligent failure to comply with the FCRA) and 1681n (willful failure to comply with the FCRA or obtaining a consumer report under false pretenses). Plaintiff has also sued Defendants for the state law tort of unlawful invasion of privacy.

Plaintiff has moved for summary judgment on the questions of whether Defendants failed to comply with the FCRA (i.e. whether Defendants had a permissible purpose to obtain Ms. Rodgers’ credit report), whether Defendants’ alleged failure to comply was willful, and whether Defendants’ actions constituted unlawful invasion of privacy.

The United States Court of Appeals,W.D. Tennessee GRANTED Plaintiff’s motion for partial summary judgment on the question of whether Defendants had a permissible purpose to obtain Ms. Rodger’s credit report. It DENIED Plaintiff’s motion for summary judgment on the question of willfulness under the act. It also DENIED Plaintiff’s motion for summary judgment on the question of whether Ms. McCullough obtained and used Ms. Rodger’s credit report under false pretenses or knowingly without a permissible purpose.

Case Questions

1. Why did the defendant, McCullough, order her secretary to obtain Ms. Rodgers’s credit report? If Ms.McCullough is found liable, why would her law firm partners also be liable?

Reference no: EM132115402

Questions Cloud

What are the tools of expansionary fiscal policy : What are the tools of expansionary fiscal policy?

Why is privacy and data security so important : Why is Privacy and Data Security so important? Each week, research a unique news story or article related to Information Security/Information Technology.

Discuss advantages and pitfalls of information technology : Research, analyze and discuss the advantages and pitfalls of information technology, -coping with regulations, and -effectively using risk management

Discuss the model-based threat modeling technique : STRIDE is a model-based threat modeling technique developed by Microsoft. The methodology guides the security analyst through several activities.

Credit reports under the fair credit reporting act : Use of Credit Reports under the Fair Credit Reporting Act, Repossession and Breach of the Peace.

Identify best approach which is easy to maintain in future : Identify the best approach which is easy to maintain in near future. I would encourage team by planning lunch and learns by which new concept can be learnt.

Used for controlling inventory and satisfying demand : The Economic Order Quantity (EOQ) model is a classical model used for controlling inventory and satisfying demand.

How would their mrp system facilitate the material purchase : Take the virtual tour at Defiance Metal Products. How would their MRP system facilitate the material purchase process?

Ingredient in special plastic used in automobile bumpers : A small but important raw material is an ingredient in a special plastic used in automobile bumpers.

User Account

All Pages