FACTA EXPERT WITNESS TESTIMONY: ADVISOR CONSULTANT FOR LAW FIRMS

FACTA expert witness testimony authorities note that the Fair and Accurate Credit Transactions Act (FACTA) was enacted to protect consumers from identity theft and ensure accuracy in credit reporting. When businesses or credit agencies violate these protections, a FACTA expert witness becomes essential. Consultants provide in-depth knowledge of compliance requirements, data handling standards, and consumer rights. Testimony is critical in litigation involving credit reporting errors, data security failures, or non-compliant receipt practices.

5 Types of Cases a FACTA Expert Witness Covers

1. Receipt Truncation Violations:
   Among the most litigated issues involves businesses printing too much personal information—like full credit card numbers or expiration dates—on receipts. Noted FACTA expert witnesses evaluate whether point-of-sale systems were properly configured.
2. Credit Report Accuracy Disputes:
   Consumers may sue credit bureaus or furnishers for incorrect or outdated information. A FACTA expert witness reviews data reporting procedures, dispute handling, and compliance with reinvestigation requirements.
3. Identity Theft and Fraud Claims:
   The act provides rights to victims of identity theft. Leading FACTA expert witnesses help determine whether organizations followed proper procedures for placing fraud alerts and handling disputed accounts.
4. Class Action Lawsuits:
   When businesses violate the act systematically—such as issuing non-compliant receipts across all stores—experts assess the scale of the violation, damages, and compliance systems.
5. Regulatory and FTC Investigations:
   And FACTA expert witnesses assist in investigations into whether businesses and data furnishers follow mandated procedures to protect consumer data and report accurately.

25 Products and Technologies Covered

1. Point-of-sale (POS) systems
2. Receipt printers
3. NCR hardware/software
4. Square
5. Clover
6. Toast POS
7. Lightspeed POS
8. Shopify POS
9. Verifone terminals
10. Ingenico terminals
11. Credit card readers
12. Data encryption software
13. Tokenization platforms
14. Payment gateways (e.g., Stripe, PayPal)
15. Equifax
16. TransUnion
17. Experian
18. Credit monitoring services
19. Consumer dispute portals
20. Fraud alert systems
21. Identity theft resolution tools
22. CRM systems with credit data integration
23. Compliance auditing software
24. Document redaction tools
25. Data retention and destruction systems

A FACTA expert witness aids in ensuring that companies are held accountable for safeguarding consumer credit data and complying with federal law.