An FCRA attorney can help you sue credit bureaus and other consumer reporting agencies for violating your rights under the Fair Credit Reporting Act (FCRA). The law requires that they keep your information accurate and private, limit who can see it, and allow you to dispute inaccurate or incomplete information. An experienced attorney can help you navigate the complexities of this law and get justice against negligent reporting, identity theft, and other violations.
Inaccurate information on a background check or credit report can cut you off from opportunities to advance your career, secure financial resources, make important purchases, and even find housing. In addition to cutting you off from these opportunities, it can cause you emotional stress and financial losses. A knowledgeable attorney can ensure that the responsible parties take responsibility for their actions and pay you damages for your loss.
A FCRA attorney can help you recover statutory damages, which are the most significant award available to consumers under the law. These are awarded for a wide range of harms, including denied loans and increased interest rates, lost employment opportunities, ruined relationships, and emotional distress. Your attorney will determine which statutory damages you can claim and will help you prove those claims.
You may also be entitled to recover actual damages. An attorney can review your case to determine how much this could be and will work with you to file a lawsuit against the responsible party. If your lawsuit is successful, the credit bureau or furnisher may be required to compensate you for your expenses.
In addition to filing a lawsuit, an FCRA attorney can help you get the compensation you deserve by negotiating with the credit bureaus or furnishers. They can help you resolve the issue and get corrective information added to your credit report. They can also sue those who use your report incorrectly, such as creditors and debt collectors.
The FCRA was established in 1970 to protect consumers by ensuring that credit bureaus and other consumer reporting agencies keep their information accurate, private, and limited. It allows consumers to request a free report from each of the three major credit reporting agencies every 12 months, and lets them dispute any inaccurate or incomplete information. The FCRA also limits who can access your credit report, limiting it to entities with a legitimate business need, such as lenders, insurers, employers, and landlords.
Inaccurate information in your credit report can affect many aspects of your life, from your ability to obtain a loan or job to your personal reputation. If you believe that your rights under the FCRA have been violated, contact an experienced lawyer at Northeast Law Group. Our FCRA attorney can guide you through the process of pursuing legal action against those responsible for your injuries, such as the credit reporting agency, the creditor who reported the information, or the debt collector who is trying to collect on an unpaid debt that you already paid or disputed in bankruptcy.