Sullivan v. Greenwood Credit Union
Court of Appeals for the First Circuit
1Opinion of the Court
LYNCH, Circuit Judge.
This putative class action challenges the legality, under the Fair Credit Reporting Act (“FCRA” or “the Act”), 15 U.S.C. § 1681 et seq., of an unsolicited letter to a consumer about the offering of credit for a home loan. Defendant Greenwood Credit Union sent the letter to plaintiff, Anthony Sullivan, and others based on a list of individuals meeting certain minimal credit requirements that Greenwood had purchased from a credit reporting agency, a process called pre-screening. This unsolicited letter to Sullivan and others triggered the requirements of the FCRA, which…
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