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Unless Congress clearly states otherwise, it is presumed not to have waived sovereign immunity.  This clear statement rule requires either an express statement that Congress is stripping away sovereign immunity or a statute that creates a cause of action and explicitly authorizes suit against a government entity on that cause of action.  The FCRA waives sovereign immunity by the latter… Read More

Under the FCRA, a furnisher of credit information must make a reasonable investigation if the consumer about whom it furnishes information to a credit reporting bureau properly protests the inaccuracy of the furnisher's information.  Furnishers, unlike credit reporting agencies, may be required to investigate the legal as well as factual bases of the information it furnishes.  Here, CitiMortgage continued to… Read More

The Investigative Consumer Reporting Agencies Act is not unconstitutionally vague merely because some types of consumer reports fall within its scope as well as within the scope of the Consumer Credit Reporting Agencies Act, and an employer seeking any information about a consumer other than creditworthiness can easily comply with both statutes simply by complying with the stricter requirements of… Read More