The Fair Credit Reporting Act or (FCRA) is a federal law and requires creditors, also known as furnishers, and the crediting reporting agencies to do several things regarding the accuracy of the credit reports.
Although you know of Equifax, Experian, and Trans Union, there are actually many different types of credit reporting agencies.
The Oregon law does not add any additional penalties for violating this law unlike other states.
But, under the federal law, you are entitled to emotional distress damages, economic damages, costs, and attorney fees.
Contact the law office of Joseph P. McClelland to see if we can help you right now.
ORS 746.600, et seq. has some protection against how the insurance companies gather information, but nothing for you as a consumer to use. In fact, if they violate your rights to gathering this info, you don't get to do anything with it. So, this law is useless to you because it requires your state government to take action.
VERDICT: BAD CONSUMER LAW
ORS 659A.320, on the other hand is a great consumer law. Unless you are applying to work at a bank or financial institution or law enforcement, then an employer can't look at your credit report to make a hiring decision.
VERDICT: GREAT CONSUMER LAW
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