Practice Areas

Consumer Rights

Unfair Credit Reporting Practices – Errors In Credit Reports

Credit reports are increasingly being used by employers, creditors, and landlords to evaluate job applicants, borrowers, and tenants. These reports typically contain information on an applicant’s financial credit history such as loans, revolving credit, and any accounts that may be in collections.

Credit reports frequently have errors or contain information that is not legally reportable. An error on your credit report can result in the denial of a job, loss of a promotion, credit, or housing, and can have a negative impact on your life. Nichols Kaster recognizes the serious consequences that can result from an erroneous or illegal credit report and is committed to ensuring that our clients are not the victims of errors made by credit bureaus or background check companies. Tell us about your case.

The Fair Credit Reporting Act (FCRA) is a federal law that protects consumers and regulates the use and content of background checks and credit reports. Nichols Kaster handles cases nationwide representing individuals and classes of consumers in lawsuits for money damages against employers, creditors, landlords, and background check companies. Please contact us if a credit report has prevented you from getting hired, obtaining a loan, finding housing, or if there is inaccurate or outdated information on your report. We routinely handle cases all over the country and are committed to working hard to ensure our clients get the results they deserve.

Kai H. Richter

Consumer Law Attorney
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We have experience with the following types of cases for violations of the Fair Credit Reporting Act:

Inaccurate Credit Report Lawsuits

A credit report is a complete list of your credit history which includes a list of your accounts and how timely you have paid them. This report also includes information on collection accounts and other public information. There are three main national consumer credit reporting agencies: Experian, Equifax, and Trans Union LLC. Each of these agencies collect information from court records, banks, credit card companies, department stores, finance companies, and many other businesses that issue credit.

Your rights may have been violated if:

• An employer obtained your credit history without your permission

• A credit bureau shared your information illegally

• Your credit report contains information about someone who is not you, such as someone with the same or a similar name

• Your credit report contains information that is not accurate, such as that you owe a debt that is not yours

• You are a victim of identity theft and your credit report is inaccurate as a result

Consumers may obtain a free copy of their consumer report online once every 12 months and are also entitled to a free report within 60 days of any credit denial.

The Fair Credit Reporting Act requires that you dispute any errors on your report to the consumer reporting agencies and notify them of the problem(s) in your report. The credit bureaus must then notify the companies that published the information on your report about your dispute. Our firm is committed to helping people dispute errors on their credit reports, and to getting consumers the justice they deserve.

Click here if you would like help requesting a free copy of your credit report. Contact us if you feel your rights may have been violated.

Identity Theft Lawsuits

Identity Theft is a growing problem facing today’s consumers. While it can be difficult to detect, here are a few common signs of identity theft:

• Debt collectors are sending you collection notices for accounts that are not yours

• Unknown credit accounts have shown up on your credit report

• Companies that you have never done business with or applied to for credit have inquired into your credit

• You have received bills or statement in the mail for accounts you did not open

Although these can be signs of identity theft, they are not confirmation it has happened to you. If you feel you may have been a victim of identity theft it is important to request a copy of your credit report, and contact us to learn about your rights.

At Nichols Kaster, we understand the harm that an error on your credit report can cause you. We understand how unfair it can feel to be denied credit or  a job and are passionate about defending your rights. Please contact us if your credit report is preventing you from getting a job, a loan, or housing, or if there is inaccurate or outdated information on your report.

Consumers who have experienced violations of the Fair Credit Reporting Act have a right to sue for money damages and may also be entitled to statutory damages and punitive damages. Contact us for a free consultation.