Credit Reporting Violations – Protecting Your Credit Rights Under the FCRA

Law for Georgia, LLC

At Law for Georgia, LLC, we defend the rights of consumers who have been harmed by inaccurate, misleading, or unauthorized information on their credit reports. Under the Fair Credit Reporting Act (FCRA), you have the right to accurate and fair credit reporting. When credit reporting agencies or creditors violate these rights, our firm is here to help.

Understanding Credit Reporting Violations

Credit reporting violations occur when credit bureaus, lenders, or other data furnishers report incorrect or misleading information about you, fail to correct errors you have disputed, or access your credit report without permission. Such violations can damage your credit score, prevent you from obtaining credit, and cause financial and emotional stress.

Common Types of Credit Reporting Violations

• Inaccurate Information on Credit Reports
• Reporting false, outdated, or misleading information.
• Failing to accurately list accounts or payment history.
• Failure to Correct Errors After Dispute
• Ignoring your request to investigate a disputed item.
• Failing to remove or correct inaccurate information.
• Unauthorized Credit Report Access
• Pulling your credit report without your consent.
• Accessing your credit information for improper purposes.
• Mixed or Merged Credit Files
• Incorrectly listing another person’s credit information on your report.
• Failing to separate records for individuals with similar names.

Debt Collection Reporting Violations

• Reporting a debt you do not owe.
• Failing to list that a debt is disputed.

How Law for Georgia, LLC Can Help

If you have been harmed by credit reporting errors or unauthorized access to your credit report, our experienced legal team is ready to take action.

Investigation and Review: We thoroughly review your credit reports, dispute letters, and creditor communications to identify violations.

Dispute and Correction: We assist in filing disputes with credit bureaus and creditors, ensuring errors are corrected.

Litigation: If your rights under the FCRA have been violated, we file lawsuits to seek damages.

Negotiation: We pursue favorable settlements for damages you suffered due to incorrect credit reporting.

Your Rights Under the FCRA

The Fair Credit Reporting Act (FCRA) is a federal law designed to promote accuracy, fairness, and privacy in credit reporting. It gives you the right to:

• Access your credit report annually for free from each major credit bureau (Equifax, Experian, and TransUnion).
• Dispute inaccurate information and have it corrected or removed.
• Know who has accessed your credit report.
• Take legal action against companies that violate your rights.

Contact Law for Georgia, LLC Today

At Law for Georgia, LLC, we leverage over 35 years of combined legal experience to protect consumers from credit reporting abuses. If you have been a victim of credit report errors, unauthorized access, or misleading credit information, contact us for a confidential consultation.

Contact Law for Georgia, LLC