The information in your credit report can shape various aspects of your life, from the ability to rent an apartment or secure a loan to the chance of getting a job. A fair credit reporting act lawyer can help you protect your rights and resolve any errors on your credit report. They can also sue CRAs or other entities that violate consumer reporting laws.

The Fair Credit Reporting Act (FCRA) establishes rules regarding how a person’s credit information is obtained, used and shared. The law applies to both credit bureaus and the companies that provide the information used in credit reports. It also includes strict limitations on who can access your report and when, with whom you can share it, and what happens if you dispute information in your file.

Credit bureaus are required to investigate your claim within 30 days unless they consider it frivolous. Inaccurate information on your report must be corrected promptly and you must receive a free copy of your report with the changed information. A seasoned credit lawyer can help you navigate this process, as well as sue the reporting agencies and information providers who violate your rights.

Depending on the severity of the violation, the FCRA allows you to recover damages for financial losses and emotional distress. You may also be entitled to punitive damages, which can significantly increase the monetary award. A credit report error lawsuit can be complex, but your attorney can help you navigate the process to get the compensation you deserve.

FCRA lawsuits typically include allegations that a CRA or other entity violated the statute by releasing inaccurate information on your report. This can lead to negative consequences for consumers, such as denying them employment or insurance coverage due to information that shouldn’t be on their report.

In addition, the act prohibits the use of information from your credit report for unpermitted purposes. For example, if an employer checks your credit report without the express consent of the applicant, this is a violation of the FCRA. This can also apply to landlords and other entities that check your credit report for screening purposes.

A credit report attorney can help you bring an FCRA lawsuit against a CRA or other entity for violating the law and causing harm to you. The attorney can also sue debt collectors for harassing you over a disputed debt or a debt that does not belong to you.

Contact the law firm of Sharmin & Sharmin P.A. today to schedule a free consultation with an experienced Fair Credit Reporting Act lawyer. Your legal advocate can help you through these stressful times and into a brighter future. We look forward to working with you.