tri-merged credit reports

Recent Cases Addressing Reseller Liability

Resellers are consumer reporting agencies who purchase consumer credit information from Trans Union, Equifax and Experian and then resell that information. Often resellers combine all three credit files into one report - commonly known as a “tri-merge” credit report. Recent court opinions have addressed whether these resellers are liable under Section 1681e(b) if one agency reports inaccurate information but the other two do not and the reseller subsequently reports all three files.