Will disputing inaccurate information on my credit report harm my credit score?
No! And you should consult with an experienced consumer attorney about how to best dispute all inaccurate information on your credit report. Under the Fair Credit Reporting Act (FCRA), you — the consumer — are entitled to dispute any inaccuracies on your credit reports with Equifax, Experian, TransUnion, and Innovis (and any other consumer reporting […]
Millions of Mixed Credit Files. Could One belong to You?
Yes, there are millions of Americans, perhaps six million or more, whose credit files are mixed and merged. It is a massive problem, one in which personal information and account data from your credit file may be mixed with those same types of information that in fact belong to one or more other consumers. It […]
Will disputing inaccurate information on my credit report harm my credit score?
No! And you should consult with an experienced consumer attorney about how to best dispute all inaccurate information on your credit report. Under the Fair Credit Reporting Act (FCRA), you — the consumer — are entitled to dispute any inaccuracies on your credit reports with Equifax, Experian, TransUnion, and Innovis (and any other consumer reporting […]
Accurate credit reports? It is time to find out.
Savings? Check. Investment Portfolio? Check. Accurate credit reports? It is time to find out. The Consumer Financial Protection Bureau (CFPB) reports that it received and addressed more than 200,000 consumer complaints related to incorrect information on credit reports and/or complaints about issues with investigations and business practices by credit reporting agencies (i.e., Equifax, Experian, and […]
Fraudulent charges on your credit card? Now what?
Most credit card issuers tell you that they offer extraordinary fraud protection and that you will never be held responsible for unauthorized charges to your account. In real life, it often doesn’t work out that way. At Sherman & Ticchio, we speak to consumers all the time who are victims of identity theft and find […]
What is a Credit Lawyer anyway?
What is a Credit Lawyer anyway? “Credit lawyer” is a short-hand term for an attorney, like the lawyers at Sherman & Ticchio, who can guide consumers through the process of disputing inaccurate items on their credit reports or background check reports and, if necessary, file federal lawsuits on behalf of consumers under the Fair Credit […]
CFPB resources for tenants behind on rent due to Covid-19
Per the CFPB (link to resource page here) If you’re having trouble making rent payments as a result of the coronavirus pandemic, you’re not alone. Federal, state, and local governments are offering help with housing expenses and avoiding eviction. Find out what this means for you, and what you can do.
Davis Wright Tremaine opines on key issues before SCOTUS in Ramirez v. TransUnion
As reported yesterday in Lexology, Davis Wright Tremaine takes a hard look at the arguments made to the United States Supreme Court in the Fair Credit Reporting Act class action, TransUnion v. Ramirez From the blog post: Last week, the U.S. Supreme Court heard oral argument on whether and to what extent class members’ injuries […]
Senate Committee Focuses on Impact of Inaccurate Tenant-Screening Reports
Press Release By U.S. Senate Committee on Banking, Housing, and Urban Affairs For Immediate Release Contact: Alysa JamesMin Cheng Brown calls attention to tenant screening inaccuracies that can lock tenants out of the house market. In Letters To Companies, Brown RaisesConcernsAbout The Impact Of Inaccuracies In Tenant Screening Reports– EspeciallyOnBlack And Brown Renters WASHINGTON, D.C. […]
Certain marijuana convictions on background check reports will soon disappear for New Yorkers
Business Insider is reporting that New York’s new marijuana law, which legalizes marijuana smoking for adults and permits possession of up to three ounces of pot, will result in expungements of convictions for possession of marijuana of three ounces or less. That is very good news for those stigmatized with convictions for possession of marijuana […]
TRANSUNION WILL ARGUE TO SCOTUS THAT FALSELY IDENTIFYING THOUSANDS AS TERRORISTS CAUSED NO HARM
Wrongly Identified as a Terrorist? One Company Says, “No Harm Done.” From the above-linked post: “[A]ccording to TransUnion, if a credit reporting agency labels you a terrorist or drug smuggler – with your mistaken identity lying in wait for someone to ask for it and find out – it’s simply a case of “no harm […]
New study shows huge increase in complaints to CFPB about Equifax, Experian, and TransUnion (among others)
A press release issued on March 1, linked here, summarized a study that analyzed complaints to the Consumer Financial Protection Bureau (CFPB). Simply stated, there were a record number of complaints from consumers to the CFPB in 2020. From the study, the full text of which is linked here: “More than half of total […]