Fair Credit Reporting Act Lawyers

Your Rights Under FCRA

The Fair Credit Reporting Act has several important provisions that protect the rights of consumers. The act:

• Imposes a duty on credit bureaus and those who provide information to credit bureaus to include accurate information on credit reports
• Requires credit bureaus to investigate and correct inaccurate credit information
• Requires credit bureaus to provide a free credit report once a year, on request
• Protects victims of identity theft by requiring credit bureaus to remove inaccurate information resulting from the theft

If a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to $1,000 for each willful violation, plus attorney fees and legal costs. People who have suffered actual financial losses can claim the full amount of those losses, and in some cases, punitive damages can be awarded.

How We Can Help

We offer free initial consultations regarding credit report problems and disputes. We can review your situation, provide a free credit report analysis and explain your legal options. He can also provide you with a letter you can send to credit bureaus requesting that they remove inaccurate information.

If a credit bureau has willfully included false information or refused to remove it after being informed that it is false, our firm can represent you at no charge. We will seek full compensation for you, plus the removal of the inaccurate information.