UNITED STATES DISTRICT COURT
FOR THE NORTHERN DISTRICT OF GEORGIA
ATLANTA DIVISION
UNITED STATES OF AMERICA, Plaintiff,
v.
EQUIFAX CREDIT INFORMATION SERVICES, INC., Defendant.
Civil Action No.
COMPLAINT FOR CIVIL PENALTIES,
INJUNCTIVE, AND OTHER RELIEF
Plaintiff, the United States of America, acting upon notification and
authorization to the Attorney General by the Federal Trade Commission
("Commission"), for its complaint alleges as follows:
1. Plaintiff brings this action under Sections 5(a)(1), 9, 13(b), and
16(a) of the Federal Trade Commission Act ("FTC Act"), 15 U.S.C.
§§ 45(a)(1), 49, 53(b), and 56(a), as amended, and under the Fair
Credit Reporting Act ("FCRA"), 15 U.S.C. §§ 1681-1681u, as amended, to
obtain monetary civil penalties and injunctive and other relief for
defendant's violations of Section 609(c)(1)(B) of the Fair Credit
Reporting Act, 15 U.S.C. § 1681g(c)(1)(B).
JURISDICTION AND VENUE
2. This Court has jurisdiction over this matter under 28 U.S.C.
§§ 1331, 1337(a), 1345, and 1355, and under 15 U.S.C. §§ 45(a)(1), 49,
53(b), and 56(a). This action arises under 15 U.S.C. § 1681g(c)(1).
3. Venue in the Northern District of Georgia is proper under 15 U.S.C.
§ 53(b) and 28 U.S.C. §§ 1391(b-c) and 1395(a).
DEFENDANT
4. Defendant Equifax Credit Information Services, Inc. is a Georgia
corporation with its office and principal place of business located
within the Northern District of Georgia at 1600 Peachtree Street,
Atlanta, Georgia 30309.
THE FAIR CREDIT REPORTING ACT
5. The Fair Credit Reporting Act was enacted by Congress on October
26, 1970. On September 30, 1996 it was amended to include, among other
provisions, Section 609. Most of the 1996 amendments ("1996
SNIPPETS:
UNITED STATES DISTRICT COURT
FOR THE NORTHERN DISTRICT OF GEORGIA
UNITED STATES OF AMERICA, Plaintiff,
COMPLAINT FOR CIVIL PENALTIES,
INJUNCTIVE, AND OTHER RELIEF
Plaintiff, the United States of America, acting upon notification and authorization to the
Plaintiff brings this action under Sections 5, 9, 13, and 16of the Federal Trade Commission
Defendant Equifax Credit Information Services, Inc. is a Georgia corporation with its office
Most of the 1996 amendments, including Section 609, became effective 365 days after the
This telephone number must be provided with each written disclosure of information in the
Defendant is a consumer reporting agency that compiles and maintains files on consumers on a
Defendant advertises, offers for sale, sells, and distributes in or affecting commerce, as
Defendant established a toll-free telephone number ("dedicated toll-free number") for
After the enactment of the 1996 amendments on September 30, 1996, and prior to the effective
VIOLATIONS OF THE FAIR CREDIT REPORTING ACT
CIVIL PENALTIES AND INJUNCTION
Each instance in which defendant violated Section 609 of the FCRA, 15 U.S.C. § 1681g, in one
Acting Assistant Attorney General Civil Division
Associate Director for Financial Practices
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