The FTC reached the largest settlement to date in a credit reporting action.

Was this sufficient compensation?

The FTC alleged that some Vivint sales representatives used a process known as “white paging,” which involved finding another consumer with the same or a similar name on the White Pages app and using that consumer’s credit history to qualify the prospective unqualified customer. Vivint sales representatives also sometimes asked customers to provide the name of someone they knew who had better credit, such as a relative, then added that innocent third-party as a co-signer to the account without their permission, and used their credit history to qualify the prospective customer, according to the complaint.

https://www.ftc.gov/news-events/press-releases/2021/04/smart-home-monitoring-company-vivint-will-pay-20-million-settle