Page 26: Consumer Rights Blog

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the cra circle of sharks
22 Apr, 2024
Daniel Cohen
The CRA Circle of Sharks
This is the (sadly typical) story of one of our clients and her struggles with inaccurate information appearing in background reports from no less than 5 different credit reporting agencies
1136
11 min
A worried Vietnamese man sits on the couch
19 Apr, 2024
Daniel Cohen
Why Vietnamese US Citizens Are Vulnerable to Identity Theft and Background Report Errors
In yet another example of the carelessness of the Credit Reporting Agencies (CRA’s), Vietnamese Americans have an increased risk of reporting errors because they don’t have that many names to go around.
1067
3 min
erroneous background reports from RealPage lead to litigation
19 Apr, 2024
Daniel Cohen
Pushed to the Edge for Profit
Yet another story of an uncaring credit agency ruining someone's life with their inept practices and incompetence, this time it's RealPage
1026
11 min
Accurate Background LLC often makes egregious errors in background reports
19 Apr, 2024
Daniel Cohen
The Bellwether of an Ailing Nation
Yet another example of a credit bureau (ACCURATE BACKGROUND LLC , in this case) shamelessly ruining someone's life with their carelessness and indifference
925
11 min
Man sees a criminal report on his phone.
19 Apr, 2024
Daniel Cohen
How Credit Reporting Agencies Ruin People's Lives
Like some kind of financial long Covid, when credit reporting agencies and background check companies like On Site LLC don’t fix their mistakes (even after agreeing to and paying a cash settlement) the result is on-going suffering that never ends, like a festering wound.
1107
11 min
A desperate woman behind the wheel
19 Apr, 2024
Daniel Cohen
Data Furnishers’ Mistakes Can Have Deadly Consequences
Personal credit history has become a commodity, and those who profit from it are an inverse pyramid.
1078
11 min
Lawsuit Against Nissan
19 Apr, 2024
Daniel Cohen
Consumer Attorneys Wins Big Judgment in Credit Reporting Lawsuit Against Nissan
Consumer Attorneys Wins a Big Judgment Against Nissan for Credit Reporting Errors that Tanked a Mortgage Application
1189
11 min
A woman is evaluating employees
19 Apr, 2024
Daniel Cohen
HireRight Background Check
When Errors in a HireRight Employment Background Check Report Tank Your Job Prospects, You Need Our Help!
2194
5 min
man looking at his equifax credit report through magnifying glass
18 Apr, 2024
Daniel Cohen
Equifax Credit Reports: All You Need to Know
Are Equifax credit errors robbing you of opportunities? Fight back with Consumer Attorneys!
1148
14 min
A sad man sits at his desk after receiving a background check response
18 Apr, 2024
Daniel Cohen
Certiphi Background Check
When Certiphi Background Check Errors Keep You From a Healthcare Job, We Help You Recover! Call For A Free Consultation!
1906
11 min
people sitting behind the table and disputing Credential background check
18 Apr, 2024
Daniel Cohen
Credential Background Check
CredentialCheck background checks are a regular part of the pre-employment process. But sometimes, they’re not accurate.
963
11 min
Man sitting behind the table and looking at his SageStream Credit Report
18 Apr, 2024
Daniel Cohen
SageStream Credit Reports
Questions about SageStream? You’re not the only one. Here’s all you need to know and how we can help you deal with errors.
1594
7 min
Contact Us
INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLLC (“CA” or “we”), located at 72-47 139th street Flushing, NY 11367 (“CA”) , hereby enter into this limited scope retainer agreement whereby you agree to grant CA the exclusive authority to investigate your potential consumer law claim(s), including but not limited to potential violations of the Fair Credit Reporting Act (“FCRA”), Fair Debt Collection Practices Act (“FDCPA”), Equal Credit Opportunity Act (“ECOA”), Electronic Funds Transfer Act “EFTA”), Fair Credit Billing Act (“FCPA”), and/or the Telephone Consumer Protection Act (TCPA”) (collectively referenced as “consumer protection statutes”). 1Please read carefully before signing:

Authorization

You authorize CA to investigate your potential consumer law claim(s) under state and federal consumer protection statutes. You authorize CA to contact third parties on your behalf for the limited purpose of investigating your potential consumer law claims. “Third parties” include but are not limited to consumer reporting agencies, creditors, lenders, debt collectors, rental agencies, employers, courts, and law enforcement agencies.

CA’s Exclusive Investigative Period

CA agrees to investigate your potential consumer law claims in good faith. By signing this agreement, you agree to give CA the exclusive right to investigate your potential consumer law claim(s) for the next 180 days (“Exclusive Investigative Period”). For the duration of the Exclusive Investigative Period, you agree that you will not communicate with any other law firm or legal representative about your potential consumer law claim(s). You agree to forgo any previously scheduled consultation or case review until CA’s Exclusive Investigative Period concludes.

Termination of Exclusive Investigation Period

CA agrees that the Exclusive Investigative Period may not extend beyond 180 days without your prior written consent.

At any time between the date of this agreement and the expiration of CA’s Exclusive Investigative Period, CA may inform you of the outcome of its investigation. If CA’s investigation reveals that you have an actional consumer law claim, CA may ask you to sign a formal retainer agreement. If CA’s investigation does not reveal an actionable consumer law claim, you will receive an e-mail that states CA will not represent you in any further pursuit of your potential claim(s).

The relationship between you and CA automatically terminates at 5pm on the 180th day of the Exclusive Investigative Period or your receipt of CA’s written notice to decline representation, whichever comes sooner. At the conclusion of the Exclusive Investigative Period or upon receipt of CA’s written declination of representation, you are permitted to seek alternative legal counsel without penalty.

Nothing in this agreement should be construed as a promise or guarantee that CA will represent you in a consumer lawsuit at any point in time. CA reserves the right to decline to represent you for any reason permitted by relevant laws and ethical rules.

Your Involvement and Promises to us

You agree to meaningfully participate and cooperate in CA’s investigation of your potential consumer law claim(s). You agree to immediately inform CA if your mailing address, e-mail address, or phone number changes at any point during the Exclusive Investigative Period.
You agree to provide all relevant information, communications, documents, materials, and all other similar instruments to CA and its representatives during the Exclusive Investigative Period. You understand that your failure to provide all relevant information, communications, documents, and materials to CA during the Exclusive Investigative Period may hinder, delay or otherwise frustrate CA’s investigation of your potential consumer law claim(s).

You agree, under penalty of perjury, to provide complete, accurate, and truthful information to CA. All documents and communications, oral or written, past or future, provided to CA during the Exclusive Investigative Period and anytime thereafter are presumed by CA to be true, complete, and accurate.

Fees and Costs Incurred During Exclusive Investigative Period

CA agrees that you will not incur any out-of-pocket fees or costs during CA’s Exclusive Investigative Period. However, if CA agrees to represent you in a consumer lawsuit, CA may recover the fees and costs incurred during the Exclusive Investigative Period from the Defendant pursuant to a future settlement or judgment.

You agree that CA has a right to place a lien on any future monetary recovery obtained by client related to the claims identified during CA’s Exclusive Investigative Period or as a result of CA’s investigative efforts. If you refuse to cooperate with CA in the formal pursuit of the consumer law claim(s) it identifies during or after the Exclusive Investigative Period, you agree that CA has the right to recover the fees and costs it incurred while investigating your potential consumer law claim(s).

Authorization to Use Your Electronic Signature

CA will send you any and all documents that require your signature. You authorize CA to affix your electronic signature to requests, disclosures, or other forms that CA deems reasonably necessary to the investigation of your potential consumer law claim(s) upon receipt of your approval or after the 7th day after the document was sent to you, whichever comes first. Your electronic signature will be used on any and all other subsequent documents that will need signature, affirmation, acknowledgment, or any other forms of authentication in reference to this matter under the above referenced procedure.

1You also agree to give CA the exclusive authority to investigate potential violations of state-specific consumer protection statutes.

All Rights Reserved. Without Prejudice. CONSUMER ATTORNEYS

FORM # INV2024CA119

I have read and agree to the Privacy Policy, Investigative Retainer
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