Credit Report Violations
The Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA) seeks to ensure that all information on your credit report is accurate. It prohibits information that is false or misleading.
You are entitled to obtain a free copy of your credit report once each year from each of the three major credit reporting agencies: Equifax, Experian, and Transunion. These can be requested online at www.annualcreditreport.com, on the phone, or by mail. If you dispute the accuracy of any information contained in the reports, then you must submit a dispute to the applicable reporting agencies. If the inaccurate information is not corrected based on your dispute, then you may have a claim that the FCRA was violated.
If an entity violates the FCRA, then it must pay you actual damages, and attorney’s fees, and punitive damages may also be awarded. Because of this, you may not need to pay any out of pocket costs for representation from Brine Consumer Law. Phone consultations are also free, so call today to discuss.