How We Can Protect Your Rights
To safeguard your rights, the U.S. Government established a federal law known as the Fair Credit Reporting Act (FCRA). This statute requires companies to adhere to strict guidelines whenever they collect and use consumer information, or share it with third parties such as financial institutions, credit card companies, auto finance companies, collection agencies, or mortgage lenders. All of the three major largest consumer credit reporting agencies (CRAs) in the U.S. (Experian, TransUnion, and Equifax) must comply with the FCRA to ensure that all of the information included in your credit report is accurate.
Under the FCRA, you have several rights to ensure the accuracy and completeness of your credit file. Every time a company violates the rights established by the FCRA, you can sue them to receive a fair and just compensation.
Some of the FCRA litigation services we can help you with include:
- Mixed File
- Identity Theft
- Background Check Mistakes
- Fixing Credit Report Errors After Bankruptcy
- Dispute Letters
Our lawyers can assist with any of the following:
Request a copy of your credit report - You can request a free copy of your credit report every twelve months from each CRA.
File a Dispute Letter – If you believe any of the information in your credit report is inaccurate, you should notify the CRAvia a written letter and clearly identify each item of dispite. Our attorneys can help you write and submit this letter so it won’t be rejected or ignored by the CRA.
Dispute the Investigation – All CRAs must investigate all disputes within 30 days of receipt and then have the results forwarded to you so you can review them. If you do not agree with their investigation results, you can dispute them until your report is updated with the correct information.
Deal with the Post-Investigation Phase – After the investigation, if any changes have been made to your credit report, the CRA must send notification of all those corrections to anyone who received a copy of your credit report in the last six months, or two years if a copy of the report was sent for employment purposes. Our attorneys can ensure that every step of this process is completed correctly.
Call us today at (727) 877-3188 for free, non-obligatory consultations with our consumer protection attorneys.