Can You Dispute a Credit Report?
Safeguarding Your Rights Under the Fair Credit Reporting Act (FCRA)
The Fair Credit Reporting Act (FCRA) was created to protect consumers from numerous credit-related issues, including unauthorized disclosure of credit history and erroneous credit reporting. Did a creditor report a debt on your credit report that was discharged through bankruptcy? This could be considered as an FCRA violation. These "willful violations" could potentially harm a consumer - for example, it could result in them being turned down for a credit card, loan, job, or apartment.
If you believe that your consumer rights were violated under the FCRA, Atlas Consumer Law may be able to help you. We are passionate about protecting the rights of our clients, which is why we created the Protect the Discharge program. Our Chicago credit lawyers will file a lawsuit on your behalf in order to make sure justice is served and that at-fault creditors are held accountable for their unlawful actions.
Not sure if your consumer rights have been violated? Call us at (312) 313-1613 to schedule a consultation or file a complaint online.
What is the FCRA?
Enacted in 1970 and substantially amended in 2003, the Fair Credit Reporting Act restricts who has access to your credit information and how that information can be used, among other things. It’s purpose is to protect your privacy as well as the integrity and accuracy of your personal information. The FCRA provides remedies if a credit reporting agency (such as Experian, TransUnion, or Equifax) or other furnisher of information violates your rights.
Here’s what it does:
- It requires consumer reporting agencies to provide you with the information in your file if you request it
- It limits who can access your information and forbids agencies from sharing credit information with any party lacking a permissible purpose
- It requires you to give your consent before your credit information can be reviewed by an employer
- It requires a reporting agency to promptly investigate disputed information, correct any errors, and delete outdated information
- It requires credit reporting agencies to remove your name from marketing lists upon request
- It gives you the right to request your credit score at any time
Why Are Your Attorney Fees Paid by the Creditor?
When you seek our firm's assistance with your FCRA case, you can feel peace of mind in knowing that your attorney fees will be paid by the at-fault creditor. Creditors who violate the FCRA are held liable for attorney fees in order to ensure that wronged debtors seek legal representation without having to worry about financial implications.
- With our help, you may obtain compensation for the following:
- Actual damages or statutory damages (up to $1,000)
- Attorney fees
- Punitive damages (if you were harmed as a result of the violation)
Protecting Chicago Consumers from FCRA Violations
As your source for all things consumer law, we are confident in our abilities to effectively represent you. Our credit lawyers in Chicago, Illinois have a proven track record of success and the seasoned litigation skills required to tackle these kinds of cases. In fact, our firm's principal attorney has a 10.0 Superb Avvo Rating! Our knowledge regarding past FCRA cases can be advantageous to your situation.
- Some important FCRA cases include:
- Dixon-Rollins v. Experian Information Solutions, U.S. District Court, Eastern District
- Rice v. Montgomery Ward & Co., Inc.
- Bils v. Nixon, Hargrave, Devans & Doyle
After carefully reviewing all the details of your case and confirming that your case is valid, we will initiate legal proceedings against the creditor who violated your rights. We will work relentlessly towards obtaining a favorable outcome on your behalf.
Give us a call to begin taking legal action against creditors who have violated your rights under the FCRA.