The FTC obtained an injunction against Turbo Solutions Inc. and Alex V. Miller for operating a deceptive credit repair scheme that filed fake identity theft reports without consumers' consent. The scheme charged illegal advance fees and made false promises about removing negative credit items. The court order halts the operation and seeks consumer redress.
The court issued an injunction halting the operations of Turbo Solutions Inc. and Alex V. Miller. The complaint seeks civil penalties and consumer redress.
In-house legal teams should review customer agreements for credit repair services, focusing on clauses governing fee structures to prohibit illegal advance fees, service representations to eliminate false promises about credit removal, consent mechanisms for filing identity theft reports, and compliance warranties ensuring adherence to the Credit Repair Organizations Act and Telemarketing Sales Rule. Changes may include adding explicit terms on fee timing (e.g., prohibiting upfront payments), mandatory consumer consent for report filings, performance metrics or guarantees for credit improvement, and audit provisions to monitor compliance and prevent deceptive practices.
Entity
Turbo Solutions Inc.
Also known as: Turbo Solutions
Industry
Financial ServicesOfficial Press Release
https://www.ftc.gov/news-events/news/press-releases/2022/03/ftc-halts-deceptive-credit-repair-operation-filed-fake-identity-theft-complaints
Injunction Alex Miller Turbo Solutions 03.18.2022
/system/files/ftc_gov/pdf/Injunction%20Alex%20Miller%20Turbo%20Solutions%2003.18.2022.pdf
AlexMillerComplaint
/system/files/ftc_gov/pdf/AlexMillerComplaint.pdf
Federal Trade Commission Enforcement Page
https://www.ftc.gov/enforcement
"Turbo Solutions Inc."
"Credit Repair Organizations Act (CROA)"
"Telemarketing Sales Rule (TSR)"
"filed false identity theft reports—usually without customers’ knowledge"
$750K
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$1.5M
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