Inaccurate Information on Your Credit Report Can Impact Your Future. We Are Prepared to Represent Consumers Under the Fair Credit Reporting Act.
Inaccurate information on a credit report can make it difficult to secure a home loan in New Jersey or obtain a new job in New York City. At Sherman & Ticchio PLLC, we help consumers enforce their federal rights. Whether you are dealing with identity theft, mixed files, or accounts mistakenly reported as belonging to a deceased individual, we can help you navigate the complexities of the Fair Credit Reporting Act (FCRA).
Based in the NY/NJ metro area, Sherman & Ticchio PLLC focuses on federal credit litigation locally and handles cases for consumers nationwide.
Strategic Guidance for Your FCRA Dispute
Many consumers attempt to resolve errors by contacting creditors directly. However, to trigger the full protections of federal law, a strategic Fair Credit Reporting Act dispute is often necessary.
The Legal Framework of the “Indirect” Dispute
When you initiate an FCRA dispute with the credit bureaus, it starts a mandatory legal process under 15 U.S.C. § 1681i, which many consumers know as Section 611.
- Bureau Obligations: Once you file a dispute, the credit bureau is required to investigate and verify the information.
- Creditor Requirements: Under 15 U.S.C. § 1681s-2(b), the creditor or “furnisher” must also conduct an investigation after being notified by the bureau.
- Legal Recourse: If the bureau or creditor fails to correct inaccurate information after you have provided notice, you may be entitled to file a lawsuit in federal court.
- Note: Sherman & Ticchio PLLC does not file disputes on behalf of clients. The FCRA credit bureau dispute must be initiated by the consumer to preserve legal rights for future litigation.
Understanding Your Rights Under 15 U.S.C. § 1681
The Fair Credit Reporting Act, found at 15 U.S.C. § 1681, provides the foundation for consumer protection in the United States. While the law is broad, certain sections are particularly important for consumers:
- Section 605: This section limits how long negative or “obsolete” information, such as old debts, can remain on your credit report.
- Section 611: This section outlines the specific procedures credit bureaus must follow when you dispute an error.
Sherman & Ticchio PLLC works exclusively with the federal FCRA to help consumers hold credit bureaus and creditors accountable for their mistakes.
How Sherman & Ticchio PLLC Supports Consumers
We are a law firm prepared to litigate when credit bureaus fail to follow the law. We can review your situation to determine if your rights were violated.
- Identity Theft and Mixed Files: We assist individuals who have unauthorized accounts or someone else’s financial data appearing on their credit file.
- Mistakenly Reported Deceased: If a bureau has incorrectly marked your file as “deceased,” we can help you take steps to rectify this error and its impact on your financial identity.
- Inaccurate Account Details: We can help when creditors report incorrect balances or fail to update the status of a settled account.
National Reach and Local Focus
Attorneys at Sherman & Ticchio PLLC frequently litigate in the Southern and Eastern Districts of New York and the District of New Jersey. Because the FCRA is a federal statute, Sherman & Ticchio PLLC is prepared to represent consumers across the country who are facing uncorrected credit report errors.
Take the Next Step Toward Accuracy
Under the FCRA, if a consumer is successful in litigation, the defendants may be required to pay the consumer’s legal fees. This allows Sherman & Ticchio PLLC to provide legal representation without requiring clients to pay for services out of pocket.
Contact Sherman & Ticchio PLLC Today
You do not have to accept a credit report that contains mistakes you did not make. We can provide the information and legal support you need to move forward.