Fair Credit Reporting Act

The online identity theft in chat rooms can hold criminal liability for impersonating another person under either forgery, fraud, or identity theft. Online identify theft has been addressed by legislation and criminal and civil prosecution. The sharing of personal information has resulted in numerous fraudulent activities and has prompted the necessity to pass the Fair Credit Reporting Act.

The following questions have been addressed in this article:

What are the permissible purposes of consumer reports?
If public interests are involved, will the individual’s rights to privacy be trumped?

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