Vivint Smart Home (NRG Energy)

Vivint's 2021 FTC settlement was $20 million - the largest monetary judgment to date in an FTC Fair Credit Reporting Act case - and the conduct is unusually specific: the FTC alleged Vivint sales personnel misused credit reports, including a practice of pulling an unrelated person's credit file so a prospective customer who would not otherwise qualify could be approved for financing. As alleged, that conduct violates the Fair Credit Reporting Act as to people who were never Vivint customers and never applied for anything. A home security company - sold on the premise of protecting your household - was reaching into strangers' credit files to close sales.

• Severity
• Evidence tierUnassigned
• Claims confirmed
• Last verified2026-08-04

Primary source. www.ftc.gov/news-events/news/press-releases/2021/04/smart-home-monitoring-company-vivint-will-pay-20-million-settle-ftc-charges-it-misused-consumer — Verified - primary source confirmed.

Arbitration

Not independently confirmed this pass — standard binding arbitration + class action waiver expected.

Contacts

Privacy contact. Not recorded.

Legal notice. Not verified this pass. If publicly traded: SEC Form 10-K cover page gives the official corporate address; the Secretary of State business-entity search in the state of incorporation gives the registered agent, which must accept service. If private: the state registered agent is usually the only reliable route.

Mailing address. Not recorded.