Comments to FTC on National Credit Reporting Agencies and Free Reports: Credit Reports Most People Have Never Heard Of


We urge the Commission to study national consumer reporting agencies sooner rather than later and to issue regulations giving consumers' access to free reports. In our 12-year history we have received many complaints from individuals who have been harmed or otherwise disadvantaged because of erroneous or inappropriate information in such consumer reports.

Joint Comments to the California Department of Insurance Proposed Regulations RH 03031129: Property Loss Databases


A crisis exists in California's homeowner's insurance market. In May of this year, the Department noted a four-fold increase in the number of consumer complaints about homeowner's insurance, topping the Department's complaint hotline.2 Non-renewal of coverage was a leading cause of consumer complaints, nearly always based on information included in a CLUE or A-Plus report. Adverse insurer decisions based upon inaccurate information included in reports was also a leading cause of consumer complaints.

One of the most troubling practices noted was that of a consumer's insurance being cancelled simply because the individual made an inquiry to the insurer without ever having filed a claim for loss.

Privacy Today: A Review of Current Issues


The purpose of this report is to highlight and summarize key privacy issues affecting consumers today and tomorrow. Readers who want to explore issues in depth should visit the Web sites of government agencies, public interest groups, industry associations, and companies. A list of public interest groups that are working on these issues is provided at the end of the report.

When Background Checks Go Too Far: Screening Volunteer Master Gardeners


I was at a Maricopa County (Phoenix AZ) Master Gardeners meeting this evening (I am a Master Gardener volunteer) helping with applications for the next Master Gardener training course -- a 17 week training program to teach people in the Southwest how to garden and take care of their landscape plants here, plus a component of our internship program to become a Master Gardener Volunteer. 

The program is run by the University of Arizona. The University is now requiring background checks of applicants applying to take this course. The applicants are paying $275 to take the course and part of that fee also pays for their own background check.

Background Checks for Master Gardeners in Maricopa County.???!!! I am flabbergasted.

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