Since 1970, the Fair Credit Reporting Act (FCRA) has helped protect U.S. citizens and their right to access their credit file and a right to correct it if it is inaccurate. Unfortunately, sometimes banks, consumer reporting agencies, and even employers try to deny people these rights.
That’s where we come in.
At Slovensky Law, we help you make sense of your rights under the FCRA and help you through the process of filing a FCRA violation case.
In the financial world, sometimes mistakes are made. But when you report these mistakes and they go uncorrected, that’s when it’s time to report a FCRA violation. So what are some examples of these violations that Slovensky Law can help you with?
If there’s a mistake in your credit report, you need to issue complaints to all three major credit bureaus, and any other bureau that is misreporting your report either in writing or using their online dispute process. You MUST keep a record of your dispute.
Your employer cannot get your credit report without your consent. There are significant legal penalties for getting someone’s credit report without their permission. Contact us immediately if your employer got a credit report from you with you asking.
A CRA provides information to potential lenders about your creditworthiness and reliability. They have great control over your own finances and ability to access. They provide the information that credit card companies, and home, business, and car loan lenders use to determine if they should give you a loan or not. FCRA requires them to take steps to ensure the information they provide about you is correct!
Despite what the credit companies tell you, you do not necessarily have to report them to the authorities in order to have the credit agencies investigate the claim. If you do not want to report your family members to the authorities, we recommend that you contact an attorney as soon as possible.
The FCRA requires credit bureaus and some lenders to have a mechanism for correcting inaccurate information. If a bureau or lender refuses to correct information once they know about it, they may owe you damages for failing to correct it.
Slovensky Law PLLC recently received a $75,000 judgment in the Western District of Virginia for violation of FCRA in a case of identity theft after Synchrony Bank refused to correct errors about our client for nearly a year. After being told over and over, that it was his fault a family member used his identity to take out credit, we stood up to the bank and held them accountable for hurting our client’s access to credit and his ability to take care of his family.
Slovensky Law PLLC recently received a $75,000 judgment in the Western District of Virginia for violation of FCRA in a case of identity theft after Synchrony Bank refused to correct errors about our client for nearly a year. After being told over and over, that it was his fault a family member used his identity to take out credit, we stood up to the bank and held them accountable for hurting our client’s access to credit and his ability to take care of his family.
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