Background Check Lawyer Florida | Consumer Attorneys
Having one or more credit reports or consumer reports in your name would be nothing new. Unfortunately, errors within consumers' reports aren't anything new, either. There could be damaging information in your files that are lowering your credit score or employment possibilities, right now, and you could be totally unaware.
Even the three largest and most-familiar credit bureaus – Experian, Equifax, and TransUnion – are not exempt from making serious mistakes. When mistakes happen and consumers pay the price, lawsuits ensue. Mistakes can be serious enough to impede one from securing loans, being considered for a job position or promotion, or being approved for a rental property.
Error-filled consumer reports used to generate background checks have included mixed files with consumers possessing similar or identical names, criminal records belonging to someone else, misdemeanors listed as felonies, bankruptcies that shouldn't have been listed, etc – the erroneous entries go on and on!
In fact, a mixed-file claim led to a claimant receiving a $250,000 compensatory-damages award and a $1 million punitive-damages award in January 2020 with the Eleventh Circuit. The defendant, First Advantage LNS Screening Solutions, violated the FCRA with, twice, attributing criminal-background information to the plaintiff – criminal background information that belonged to another person.
Florida, We Have Your Back!
Those in Florida and other states have written-in-stone rights under the Fair Credit Reporting Act. The FCRA governs the collection and use of consumer-report information by background-check firms who provide information to employers, lenders, landlords, insurance companies, and others. The FCRA, also, ensures consumers' sensitive information is, legally, viewable by only those who have a legitimate need to utilize it.
At Consumer Attorneys, our background-check lawyer teams protect consumers in Florida and other states across the country. Our mission is to ensure American consumers are not victimized by damaging credit-report/consumer-report mistakes and any violations of the FCRA. A 2013 study by the Federal Trade Commission revealed an astonishing 21% of consumers' credit reports contained inaccurate information.
When was the last time you checked any of your credit reports? If you believe one or more of your reports contain errors or if you filed a dispute with a consumer-reporting agency and achieved minimal or no success, please call Consumer Attorneys, immediately, at 1-877-615-1725
Let Your Background-Check Errors Become Our Problem!
Was your application for a car loan or home loan rejected? Were you perplexed why the rental property you applied for was not approved? Are you astonished as to why your car-insurance rates are so high? If so, a background check may have been performed without your knowledge and that report may have contained errors that damaged your credit worthiness or good name. And by the way, if a background check was performed without your permission, that would be a violation of the FCRA and would be a suable offense!
Know Your FCRA Rights!
The FCRA makes it very clear concerning what one is allowed to do or not do according to FCRA guidelines. Be aware of the following, whether you sought employment or sought credit:
- No one has the legal right to obtain a background check on your behalf without your written consent. Was a background check performed, without your permission?
- You must be informed that background-check information could be used against you. Were you informed that this could happen?
- You must be given the name and contact information pertaining to the background-check agency used to secure your sensitive information. Were you given this information?
- The FCRA sets boundaries regarding negative information contained in a background check report. Civil suits, judgments, arrests, paid tax liens, and collections cannot be listed after 7 years, and bankruptcies cannot be listed after 10 years.
If it is, legally, determined that your FCRA rights were violated, you would have a legal case to sue. You may qualify for significant damages. Also, if you were to dispute a background-check agency, it would have 30 days to prove that the information they have is correct, otherwise, they would be obligated to remove the errors. If you filed a dispute with a background-check agency and your dispute was ignored or handled ineptly or inappropriately, give Consumer Attorneys a call, right away!
You Want a Strong Legal Ally on Your Side!
Through Consumer Attorneys, we will connect you with the finest Florida background-check lawyer teams who offer their expertise regarding the many nuances of this type of litigation. You want legal professionals with powerhouse reputations!
We encourage you to visit www.annualcreditreport.com to secure your free credit reports from the three main credit-reporting agencies. If any information looks questionable, give Consumer Attorneys a call, right away! Viewing your credit reports is imperative since background-check firms will utilize credit-reporting agencies and other entities to harvest their information.
A background-check lawyer would assess your situation as part of a free case review. You can, also, take advantage of a free credit report analysis. We offer more than 10 years of consumer-protection experience. Our attorneys' efforts have secured more than $100 million in monetary recoveries for our clients.
Know, also, that you will never pay any out-of-pocket fees. The credit-report attorneys we represent receive a fee only if they win, on their clients' behalf!
Do You Qualify for Compensation? Let's Find Out!
If any of your credit reports or consumer reports include damaging errors or if your errors have not been rectified after a proper dispute, Consumer Attorneys wants to know! Florida residents can connect with Consumer Attorneys in various ways:
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Póngase en contacto con nosotros y le devolveremos su vida financiera a la normalidad.