Why are there errors on my credit report?
Your credit report is a record of your creditworthiness. Chances are, every payment you’ve made to a big label credit card, mortgage servicer, or student loan debt servicer is on your credit report with one or more of the big three nationwide credit bureaus: Equifax, Experian, and TransUnion. Lately, a fourth credit bureau, Innovis, has […]
Can I sue for a false background check report?
The Fair Credit Reporting Act (FCRA) provides you with specific rights when an employer or potential employer conducts a background check about you and receives a background check report that includes false information. Ultimately, you may end up needing to file a federal lawsuit pursuant to the FCRA if you lose your job or are […]
Employment background check companies: Check your reports
The information below is on the CFPB’s 2021 list of consumer reporting companies Accurate Background Provides background screening services. Free report: The company will provide one free report if you request it and if the company has a file on you. Website: accurate.com Phone: 800-216-8024 Address: Accurate Background, Inc. 7515 Irvine Center Drive Irvine, CA […]
How can I obtain my credit reports from Equifax, Experian, and TransUnion?
Normally, you are entitled to obtain one free copy per year of your credit report withEquifax, Experian, and TransUnion by visiting the website annualcreditreport.com, linked here. Because of the pandemic, you can obtain a free report from each of the big three credit bureaus each week through late April of 2022. In some instances, such […]
Credit Bureaus must provide you with a copy of your credit report under the FCRA
§1681g of the Fair Credit Reporting Act (FCRA) requires that “[e]very consumer reporting agency shall, upon request …” provide you with a copy of your credit report. It is, in other words, a violation of FCRA §1681g for a credit bureau to refuse to give you your credit report as long as you provide the […]
Why you need to get to know the Fair Credit Reporting Act (FCRA)
The Fair Credit Reporting Act (or FCRA), passed in 1970, is a federal statute designed to protect consumers. The FCRA essentially is a federal law that combines common law principles of law defamation and privacy. Ultimately, the purpose of the Fair Credit Reporting Act is to assure that the information credit bureaus publish about you […]
Mixed Files and Merged Files: Common Credit Report Problems
If you find someone else’s accounts or personal information on your credit report, Sherman ; Ticchio can help. The same is true if you find that most or all of your credit history is missing from your credit report (or if you cannot obtain a copy of your credit report).Mixed credit files and merged credit […]
The FCRA: You may be entitled to financial compensation for credit report errors
FCRA §1681o applies to negligent violations of the Fair Credit Reporting Act Pursuant to FCRA §1681o, any person (under the law, the term person includes entities such as, among others, (a) consumer reporting agencies (CRAs) — Equifax, Experian, Innovis, TransUnion, and others, (b) furnishers of information to CRAs — lenders, credit card servicers, student loan […]
Identity Theft – a Guide for Consumers
Identity theft happens when one individual uses the personal identifying information of another person without permission. Often, perpetrators of identity theft fraudulently open credit card accounts, obtain loans, and even open accounts with service providers like utilities.; An identity thief with access to your personal information and knowledge of a credit card number that does […]
The Worst Time to Discover an Inaccurate Credit Report
While perhaps obvious, the absolute worst time to learn about errors on your credit report(s) with Equifax, Experian, Innovis, and TransUnion (or any other credit bureau) is when you apply for credit. Unfortunately, because far too few people regularly monitor their credit reports, it is precisely when credit is needed (financing a car, applying for […]
Damages, Fees, and Costs in Credit Report Litigation
Damages, Fees, and Costs in Credit Report Litigation The Fair Credit Reporting Act offers consumers many different forms of financial relief for violations of the Act by credit reporting agencies and companies that report to them. For the sake of simplicity, we will refer to all potential financial compensation for violations of the FCRA as […]
Credit Report Errors: Disputes and Lawsuits Under the FCRA
The Fair Credit Reporting Act (FCRA) defines two different types of disputes of inaccurate information on your credit report — “direct disputes” and “indirect disputes” — and it may surprise you which one provides the consumer with more rights. When you dispute incorrect information on your credit report directly to the company that is the […]