throwaway82028

Both. Regardless of the route, they would change their practices and the law does allow for equitable relief to get them to stop doing the action.

That is one of my biggest concerns, although in this case that would hopefully be a PR disaster.

The CFPB did end up forwarding the complaint and I did notify the DoJ as well. I agree that they'll probably try to argue anything they can to deny responsibility.

It likely is not. Just the filing fees in federal court can be close to $500 and I believe the ECOA requires the action be brought in federal court.

I do get why you might feel that way, but first by me going alone it doesn't prevent someone else from filing a class action.

Because I already sent a letter to multiple agencies about it and nothing was done, so the only recourse I have to get them to change their ways is to file it myself or find a class action attorney willing to do it.

Having a freeze is actually supposed to prevent any pull at all, which is why Experian has an option to unfreeze. The fraud alert is a separate action though that states you have been a victim of identity theft.

Although the situation is ideal for class action, federal law caps the penalty at $500,000 for class action and so depending on the number of class members the amount I'd get as a class representative is likely less than what I'd get in an individual case.

Yes, I will be pursuing legal action on the matter because there is a $10,000 punitive penalty.

Where in Arizona specifically? Have they even decided? Did the government decide to pay for the factory and enroll their for-profit prisoners to work for $0.10/per hour, and divert the remaining water supply to the factory? Arizona seems like a terrible choice for a chip factory, unless they've selected an area that gets natural water... and there aren't many.

Because if the data is encrypted as suggested here, then the hashes wouldn't match and the content won't be de-duplicated.

If hashes weren't illegal, cloud storage providers could probably save millions by deduplicating pirated content.

Not only does it require login, but it is not like they are giving you full bandwidth. Good luck to anyone trying to do a lot of high-bandwidth downloads over an Xfinity guest network.