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Personal Information & Privacy Rights

Unfair Credit Reporting Practices

Federal law regulates credit reporting practices, including regulating the manner in which reports are pulled by others, the disclosures you must be given before a credit report is pulled, what information can be reported on a credit report, and how you can correct errors on your credit report, among other practices. Our attorneys are dedicating to fighting for consumer protection from unfair credit reporting practices.

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Unfair Credit Reporting Practices Details

Credit reports are increasingly used by employers, creditors, and landlords to evaluate applicants for employment, credit, and housing. These reports include highly sensitive personal information, including financial history, credit information, and other personal information. This information can significantly impact anyone applying to a job, taking out a loan, or renting an apartment. Because of their importance, federal law regulates the creation and use of credit reports under the Fair Credit Reporting Act (FCRA).

Unfortunately, despite their importance, credit reports frequently contain information that is either incorrect or not legally reportable. The serious consequences that can result from an erroneous or illegal credit report include denial of a job, promotion, loan, or housing. If you have been the victim of unfair credit reporting practices, you may be entitled to monetary damages under the FCRA.

Our consumer protection team is committed to helping victims of errors made by credit bureaus or background check companies. If you believe an inaccurate or illegal credit report was run on you, please contact our team.

Examples of Potential Unfair Credit Reporting Practices

  • Unauthorized "hard pull" inquiries that can affect your credit score.
  • Furnishing and reporting old or inaccurate information.
  • Failing to follow debt dispute procedures.
  • Mixing up your file with somebody else’s.
  • Releasing your credit report to anyone without a valid need for it (such as a creditor, landlord, insurance provider, utility company, or employer).
  • Requesting a credit report for an impermissible purpose (for example, an employer pulling your credit report without your permission).

The information you obtain at this site is not, nor is it intended to be, legal advice. You should consult an attorney for advice regarding your individual situation. We invite you to contact us and welcome your calls, letters and electronic mail. Contacting us does not create an attorney-client relationship. Please do not send any confidential information to us until such time as an attorney-client relationship has been established. Read full Disclaimer.

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