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…
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…
Credit Card Disputes and the FCRA
What happens when you have fraudulent credit card charges and your credit card issuer does not believe you? The short…
Damages for Violations of the Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA) is a fee-shifting statute. This means that, should you prevail in a lawsuit against…
Disputes and Lawsuits: Do You Need a Credit Lawyer?
Disputes and lawsuits: do you need a credit lawyer? Many consumers dispute inaccurate information to Equifax, Experian, Innovis, and TransUnion.…
Should I dispute unauthorized hard inquiries?
You should dispute hard inquiries that are not associated with applications for credit that you made because hard inquiries bring…
Reinsertion in your credit file of previously deleted information
“Reinsertion” under the Fair Credit Reporting Act (FCRA) means that a credit bureau has started to again report inaccurate information…
What is the Purpose of the Fair Credit Reporting Act?
The Fair Credit Reporting Act (FCRA) was enacted to protect consumers because Congress recognized, as early as 1970, that an…
Can you sue after a credit dispute?
When you dispute an inaccurate debt on your credit reports to one or more credit bureaus (like Equifax, Experian, and…
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…
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)…
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…