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Credit Reporting Abuse

A consumer’s credit score and credit reports (compiled mainly by three credit reporting agencies, Experion, Equifax, and TransUnion) have become increasingly important in recent years, not only in obtaining credit, but also for obtaining employment, renting apartments, insurance, telephone and other essential services.

A federal law called the Fair Credit Reporting Act (FCRA) gives consumers numerous rights regarding their credit reports, including the right to be notified when a credit report is used against them (for example to deny credit or set a higher insurance premium), the right to request that the credit reporting agency verify negative items in the credit report, and the right to challenge the validity of negative items. The law also allows a consumer to sue for inaccurate reporting, especially if the inaccuracy causes the consumer to suffer damages (for example, if the consumer is denied credit or denied an apartment).

If you have been the victim of inaccurate credit reporting, call the consumer advocates at The Wolf Law Firm for a consultation.

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