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Reynolds v. Hartford Financial Services Group, et al; and Edo v. GEICO Casualty Company et al

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In this U.S. Court of Appeals case from the Ninth Circuit, the Court determined that adverse action under the Fair Credit Reporting Act can occur when pricing the premium for a newly-issued policy of insurance, and not only when an initial premium cost is increased, as contended by the issuing companies. The court also found that the assignment of a policy to one of a group of companies can constitute adverse action by more than one of the companies, if a premium higher than the best available is charged based on information from a consumer report.

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