Page 5: Consumer Rights Blog

This article examines the FCRA’s “complete and up to date” requirement under §1681k(a)(2), tracing its legislative history, statutory meaning, and heightened accuracy obligations for public record information used in employment decisions.

In Reyes v. Equifax, the Fifth Circuit affirmed summary judgment for Equifax, ruling that a consumer reporting agency isn’t required to delete accurate tradelines even when identity theft is alleged. This article examines the court’s logic, statutory framework in the Fair Credit Reporting Act, and the implications for consumer rights and identity-theft protections.

The Electronic Fund Transfer Act (EFTA) empowers consumers to recover “actual damages” for violations of its provisions. Because “actual damages” isn’t limited by statute to just economic loss, courts have recognized that non-economic harms like emotional distress may be compensable. Learn how this interpretation strengthens consumer rights and what it could mean for your case with Consumer Attorneys.

Credit reports quietly shape access to loans, housing, jobs, and insurance. Drawing on decades of government and consumer research, this article examines how common credit report errors really are, why they persist, and how inaccurate data continues to harm consumers’ lives.

What makes information a “consumer report” under the FCRA? This article breaks down the statute step by step, showing how purpose and use transform data into a regulated consumer report.

Learn about how the FCRA defines consumer reporting agencies and why function, not labels or disclaimers, determines coverage.

Wrongfully denied? Discover how to correct Grubhub background check errors.

Denied work or deactivated after a Gopuff background check? Discover how to dispute false reports and get compensated.

Wrong Background Check Cost You Your Spark Account? Here's What You Can Do

Financial Identity Theft Takes a Toll on Your Finances and Your Life. Learn How to Prevent Fraud and Get Your Life Back.

The record expungement process exists to help individuals overcome their past mistakes.

Personal credit history has become a commodity, and those who profit from it are an inverse pyramid.

While certainly no surprise to attorneys like us who deal with these agencies all the time, it's nice to see the government start to take notice.

Do You Know Who Really Owns Your Credit Score? (Hint: It's Not You)

Consumer Attorneys: Legal Views on Consumer News

Getting a letter in the mail from a debt collector saying you owe money can be alarming.

Consumer Attorneys Wins a Big Judgment Against Nissan for Credit Reporting Errors that Tanked a Mortgage Application

Debt collectors who chase you for Medicaid-covered bills are breaking the law. Period. Here’s what to do about it.

Discover how high your credit score should be before you begin to buy a car. Depending on your daily activities, you might need access to a vehicle.

You can dispute medical bills sent to collections

Everything You Need to Know about FedEx Background Checks, Errors & Disputes – Consumer Attorneys!