Ramirez, Faux-Federalism, and the Futility of Consumer Disclosure Protections
Despite their numerous and intractable problems, the Supreme Court provided an enormous get-out-of-jail-free pass to credit bureaus in a recent case, TransUnion LLC v. Ramirez. The Ramirez decision significantly impacts the ability of consumers to protect themselves and their financial reputations under the Fair Credit Reporting Act (FCRA).
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