Credit Reporting Disputes & Errors: Fair Credit Reporting Act
Each year, thousands of consumers are turned down for credit cards, mortgages, student loans, automobile loans, employment and housing opportunities, due to inaccurate information in their credit reports. You have the right to view your credit report, know what information is contained therein, and you can dispute that information if it is wrong or outdated and have it removed from your report.
The Fair Credit Reporting Act (FCRA) is a federal statute, enacted in 1970 to protect the rights of consumers, and regulate the practices of those who provide information to the credit reporting agencies, the agencies themselves and credit report users. The FCRA states that a consumer can make a legal claim against, and sue the credit reporting agencies, creditors and debt collectors who report information that is wrong. If your credit report is wrong through no fault of your own, we can help. We offer a free case review and can assist you in either ensuring the report is corrected in a timely manner or by pursuing a claim against those who fail to comply with the FCRA.
You can order a report from the three (3) credit reporting agencies, Equifax, Experian or Transunion by going to AnnualCreditReport.com. These 3 agencies supply most of the information about you, your present and past payment history and outstanding debts to the banks, credit card companies, mortgage and other lenders that you have applied to for credit. Once you receive your credit report, if you have any trouble reading or understanding the information, give our office a call, or return to this site. If you think any of the information is incorrect or inaccurate, a form is supplied by the credit reporting agency with the report you ordered, which has your account number on it, for easier processing.
The Fair Credit Reporting Act offers specific consumer protections if you have been victimized by the crime of identity theft. Jason A. Shear will do whatever can be done to ensure your credit and good name are not destroyed by the credit reporting agencies and your creditors, should this happen to you. If you are being harassed by debt collectors unfairly, the Fair Debt Collection Practices Act (FDCPA) dictates what collectors can and cannot do in their efforts to collect debt. You can submit your information, or call our office after reviewing the information on this site, to find out if a collector is in violation.
The consumer rights law firm of The Law Offices of Jason A. Shear will personally handle your claim involving credit report errors, fair debt collection practices, identity theft and other consumer fraud issues. We want to make certain the information in your credit report is reported correctly. If there are inaccuracies, the information should be removed in a timely manner, in accordance with the FCRA.
FCRA Attorney Jason A. Shear has experience bringing FCRA claims on behalf of his clients in State and Federal Court. The New York Credit Reporting Error attorneys at our firm are on your side if your rights have been violated, and we will fight to recover what you are entitled to.
We understand that if you have mistakes or outdated information on your reports, dealing with the Credit Reporting Agencies by yourself to fix the problem can be frustrating. If you have been denied a loan due to errors on your credit report, call us a Credit Reporting Error Attorney at (716) 566-8988 to speak directly with Lawyer Jason A. Shear. You can also e-mail us at info@jasonshearlaw.com. We are here to help consumers throughout New York and New Jersey.
Feel free to call or e-mail Buffalo FCRA Attorney Jason A. Shear to discuss your case.