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White pages app uk software#
In fact, Vivint allegedly terminated many sales representatives for misconduct but rehired some of them shortly thereafter.īased on these practices, the FTC alleged Vivint violated the FCRA’s permissible purpose requirement by obtaining individuals consumer reports without their permission and because “circumventing credit score limitations on software is not a permissible purpose under the FCRA. According to the FTC, Vivint was aware of these practices but did not take meaningful steps to curb them. The third-party’s credit history would then be used to qualify the prospective unqualified customer and the third-party would be added as a co-signer without their knowledge. The second was to add co-signers by asking the unqualified customer to provide the name of someone they knew who had acceptable credit, such as a relative. The FTC’s complaint details two methods employed by Vivint’s sales representatives to qualify an otherwise unqualified consumer to purchase a product.įirst is a process known as “white paging,” whereby a Vivint sales representative would use the White Pages app to find another consumer with the same or a similar name and then use that consumer’s credit history to qualify the prospective unqualified customer. In order to complete a “new customer registration,” a Vivint sales representative must request and obtain from a credit reporting agency a consumer report to evaluate the creditworthiness of the potential customer. According to the allegations of the FTC complaint, its door-to-door sales practices exposed the company to liability. Vivint is well-known for employing a large commission-based door-to-door sales force. Per the FTC, the settlement is the largest one to date for an FCRA case. (Vivint), a national seller of in-home security and monitoring systems, based on violations of the Fair Credit Reporting Act, the FTC Act, and the Red Flags Rule. On April 29, 2021, the FTC announced a $20 million settlement with Vivint Smart Home, Inc.

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