The Fair Credit Reporting Act (FCRA) violation is a widespread problem that clients face in multiple companies. The purpose of FCRA is to provide privacy and fairness and prevent violation of its rights and policies. It is necessary to have a client’s permission to access their private information (Johnston, 2021). Indeed, it is essential to discuss the case of Comcast Corporation to understand whether the court’s denial to dismiss the company’s motion was fair.
Keith Santangelo was asked to run his credit inquiry by Comcast Corporation. He agreed to pay fifty dollars instead of revealing his credit inquiry, but Comcast pulled it despite the payment. According to Comcast’s policy, a fifty-dollar deposit is an alternative to accessing credit history, and the company abused the client’s rules by interloping in his credit inquiry. It is possible to agree with the court’s decision, as the client’s credit rating fell because of Comcast’s intervention; it was the organization’s violation of FCRA (Johnston, 2021). Comcast also abused ethical considerations by interfering client’s private information without his permission. Moreover, Santangelo agreed to pay 50 dollars as an alternative way to approach his credit inquiry. In the future, Comcast might change its policy and offer more options for clients to keep their privacy. If the organization needs a person’s credit inquiry, it can probably ask for the client’s official permission. In other cases, it can refuse to provide services if the person does not want to reveal his credit history.
Overall, the court made a fair decision in favor of Kit Santangelo; Comcast violated his privacy rights and spoiled his credit reputation. If any company checks the credit report without permission and lowers the score, it should lead to filing a claim. FCRA proves that the company should not interlope the client’s privacy if there is no permission. Therefore, the illegal intervention will lead to litigation to protect the client’s rights to privacy and achieve compensation from the organization.
Johnston, J. (2021). Fair Credit Reporting Act: Common violations and your rights. InCharge Debt Solutions.