Question:
Lavon Phillips became engaged to marry Sarah Grendahl and moved in with her. Sarah's mother, Mary, became suspicious that Phillips was not telling the truth about his past, particularly about whether he was an attorney and where he had worked. She also was confused about who his ex-wives and girlfriends were and where they lived. She did some preliminary investigation herself, but she felt that she was hampered by not being able to use a computer, so she contacted Kevin Fitzgerald, a family friend who worked for McDowell, a private investigation agency. She asked Fitzgerald to do a "background check" on Phillips. Fitzgerald searched public records in Minnesota and Alabama, where Phillips had lived earlier and discovered one suit against Phillips for delinquent child support in Alabama, a suit to establish child support for two children in Minnesota, and one misdemeanor conviction for writing dishonored checks. Fitzgerald then supplied the social security information to Econ Control (a business which furnishes credit reports, Finder's Reports, and credit scoring for credit companies and for private investigators) and asked for "Finder's Reports" on Phillips. Fitzgerald testified that he believed that Finder's Reports were not consumer reports and therefore they were not subject to the Federal Credit Reporting Act (FCRA). William Porter, president of Econ Control, stated that he believed a "Finder's Report" could be obtained without authorization of the person who was the subject of the report because the Finder's Report contained no information on credit history or creditworthiness. Econ Control than obtained a consumer report from Computer Science
Corporation on Phillips and passed it onto McDowell. Fitzgerald met with Mary Grendahl and gave her the results of his investigation, including the Finder's Report. Did this investigation violate the Fair Credit Reporting Act? Explain.
Corporation
A Corporation is a legal form of business that is separate from its owner. In other words, a corporation is a business or organization formed by a group of people, and its right and liabilities separate from those of the individuals involved. It may...