1. Case : Adams v.

Department Stores National Bank , 08 - CV- 0655 ( US District

Court , Eastern District of New York)
Facts : This case involves a consumer who alleged that his identity was stolen ,
and a credit card was fraudulently opened in his name . Despite the plaintiff
reporting the identity theft , the defendant continued to report the fraudulent
account on the plaintiff’s credit report . The court found sufficient allegations that
the defendant had no permissible purpose to access the plaintiff's credit report .
URL: https :/ / casetext .com / case / adams - v- dept - stores - natl - bank
Insight : This case leans towards consumers ' rights , emphasizing the importance
of the Fair Credit Reporting Act in protecting consumers from unauthorized
access to their credit report .

2. Case : Isby v. Bayview Loan Servicing , LLC, 17- CV- 7755 ( US District Court ,
Northern District of Illinois )
Facts : The plaintiff alleged that the defendant accessed his credit report without
a permissible purpose under the Fair Credit Reporting Act after the plaintiff
disputed the debt . The court found that the defendant did not show a
permissible purpose for access .
URL: https :/ / law .justia .com / cases / federal / district -
courts / illinois / ilndce / 1:2017cv07755 / 349122/ 37/
Insight : It highlights the importance of establishing a permissible purpose when a
credit report is accessed , especially in debt recovery and credit repair cases .

3. Case : Cookson v. Aaron's , Inc ., 11CV80786 ( US District Court , Northern District of

Georgia )
Facts : In this case , the plaintiff's identity was stolen and unauthorized accounts
were opened using his information . The plaintiff alleged that Aaron's accessed
his credit information without a "permissible purpose ".
URL: https :/ / casetext .com / case / cookson - v- aarons - inc
Insight : This case reinforces the necessity of a permissible purpose when
accessing a consumer’s credit report . Turning a blind eye to potential signs of
identity theft can lead to significant legal consequences .

4. Case : Allison v. Avis Budget Group , Inc ., 12CV01574 ( US District Court , District of
New Jersey )
Facts : This case concerned a defendant which allegedly accessed the plaintiff’s
credit report without a permissible purpose after a long period of inactivity on
their rental car account .
URL: https :/ / www .leagle .com / decision / infdco20141001b65
Insight : This case clarifies the restrictions on when a company can access a
consumer’s credit report under the Fair Credit Reporting Act .

5. Case : Leyse v. Bank of America , 804 F.3d 316 ( 3d Cir . 2015)

Facts : This case involved an alleged improper use of credit report information for
identity theft . The plaintiff alleged that Bank of America accessed his credit
report without a permissible purpose under the Fair Credit Reporting Act .
URL: https :/ / openjurist .org / 804 / f3d / 316/ leyse - v- bank - of - america - structured -
assets - investments - llc - ba - finance
Insight : This case delves into the boundary between permissible business
purpose and transgressions under the Fair Credit Reporting Act .