Mistakes on your credit report? A guide…
Your credit report is a record of your creditworthiness. Chances are, every payment you’ve made to a big label credit…
Reasonable FCRA dispute investigation… Who decides?
The Fair Credit Reporting Act (FCRA) is intended to protect consumers from the consequences of inaccurate credit reporting. Among other…
False criminal record on background check report
False criminal records on background check reports are far too common. This year, Sherman & Ticchio has observed a substantial…
Alive, but described as deceased on your credit report?
Are you very much alive BUT being described as deceased by a credit bureau (like Equifax, Experian, and/or TransUnion)? You…
Are all mixed file cases willful FCRA violations?
In our view, punitive damages under the Fair Credit Reporting Act are appropriate in all mixed file cases. To recap…
CFPB: Credit bureaus and creditors often seek to avoid the duty to reasonably investigate consumer disputes
On November 10, 2022 the Consumer Financial Protection Bureau (CFPB) issued “Consumer Financial Protection Circular 2022-07 – Reasonable Investigation of…
Potent remedies available for FCRA violations
The Fair Credit Reporting Act (FCRA), a fee-shifting statute, offers potent remedies to consumers who prevail at trial. We will…
Mixed Files by Equifax, Experian, and TransUnion
The Fair Credit Reporting Act (FCRA) requires consumer reporting agencies (a/k/a credit bureaus or CRAs) to maintain reasonable procedures to…
Dispute credit card fraud
Chase, American Express, Citibank, and others don’t believe that you didn’t charge a vacation to Las Vegas? Your bank doesn’t believe…
What is a consumer report?
When you obtain your credit report from Equifax, Experian, or TransUnion (or any of the many other consumer reporting…
Job offer withdrawn due to false background check report?
Most job-seekers have never been arrested in their lives. Nevertheless, we at Sherman & Ticchio have seen a recent uptick…
My 9/11 – A lucky escape from Two World Trade Center, 65th Floor
Those of you who know me well have seen this post many times. I decided to go with an abridged…