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FCRA Lawyer New York | Consumer Attorneys

We appreciate you spending just a few moments with Consumer Attorneys!  We are a nationally-acclaimed consumer-advocate, consumer -protection law firm. We serve clients from New York to California who find themselves in the midst of challenges stemming from dubious debt collectors to credit-reporting agencies or background-check firms who have violated consumers' rights under the Fair Credit Reporting Act.

Violating the FCRA is a suable offense, and plaintiffs in these types of lawsuits have been awarded substantial monetary recoveries.  You may have experienced one or more of the following and wondered why:  1) overlooked for a job position/promotion or fired from a job 2) denied a home loan or a car loan 3) rejected for tenancy for no apparent reason 4) subjected to high car-insurance rates or 5) unable to secure a passport – the list could go on and on.

The reasons behind these types of situations become stunning when one realizes that errors on consumer reports and credit reports are, often, the culprit.  The bottom line is, erroneous information could be embedded in your consumer files that you may not be aware of!

Sloppy consumer reporting is nothing new, and in a world where security of all types is a paramount concern, the number of screening companies has exploded – and so have the lawsuits associated with the damaging information contained in consumers' files.

The FCRA Protects New Yorkers

The Fair Credit Reporting Act ensures that Americans are not victimized by lenders, landlords, debt collectors, credit-reporting agencies, background-check companies and employers who transgress the FCRA guidelines.  At Consumer Attorneys, we connect New York residents with local FCRA lawyer teams who specialize in protecting consumers' rights.

The FCRA is US Federal Government legislation that regulates the collection of credit information, as well as who is authorized to access your consumer reports and who is not.  The FCRA serves as your potent ally against false, omitted, or inaccurate information that can negatively affect your life in so many ways.

Here is a sampling of situations that can tarnish your credit worthiness and your reputation, right under your nose:

Merged Files – Sensitive information belonging to someone within your family or outside your family with a similar or identical name can be, accidentally, merged into your file.  Interestingly, as many as 35% of merged files involve family members.

Identity Theft – Identity theft is a serious problem in New York and every other state, coast to coast.  If a thief succeeds in stealing your personal information, your credit cards, bank accounts, etc would be prime targets to make unlawful cash advances, purchases, or secure loans!

Identity theft is the fastest growing crime in America.  According to the recent Identity Fraud Study by Javelin Strategy & Research, identity theft generated $16.9 billion in losses in 2019, in the US.  Also, during 2020, 47% of surveyed US consumers experienced identity theft; 37% experienced application fraud, and 38% experienced unauthorized access to one or more existing accounts.

A continual monitoring of one's credit report must be taken seriously.  If identity theft is suspected, one should:

  • File a police report – some lenders, credit card companies, and debt collectors may require this
  • Fill out an identity-theft affidavit from the Federal Trade Commission at: https://www.consumer.ftc.gov/articles/pdf-0094-identity-theft-affidavit.pdf – this would need to be submitted to all, involved, creditors.  Also, their number is 1-877-438-4338.
  • Notify the CRAs which can generate a 'credit freeze' that would prevent anyone – including you – from opening up a new line of credit in your name.  Transaction alerts with credit card issuers can be established, also, to provide additional security.

All this may feel very overwhelming, but Consumer Attorneys is ready to ease your mind!  We will put you in touch with an FCRA lawyer team, near you in New York, that specializes in identity theft.

Unauthorized Access – The FCRA strictly limits who has a legitimate reason to view your consumer report.  Legitimate searches are conducted by loan officers, potential landlords, employers, and others, but they must have your permission to do so!

If someone has viewed your sensitive information who does not have a permissible business purpose, you must take action, immediately!  Any type of unauthorized access should be viewed as potential identity theft.

Inaccurate Public Records – Oftentimes, credit-reporting agencies will use information contained in public records, but those records can be inaccurate in a variety of ways.  For example, a bankruptcy that was discharged may not be reported, as such.  Then, there are inaccurate descriptions of properties – a simple clerical error indicating the wrong square-footage of a home can lead to issues with a lender.

Stale Debt – Some debts are old enough to be considered 'stale'.  Usually, trade lines (credit accounts reported to credit bureaus) should drop off one's credit report within 7 or 7 ½ years after the initial delinquency.  If any delinquent debt is still on your credit report that shouldn't be there, a New York FCRA lawyer will address the hindrances that are keeping the delinquent debt from falling off your credit reports.

Re-aging Debt – Are you aware that some collection agencies take it upon themselves to update accounts on credit reports?  A collection agency has no legal authority to change the 'Date of First Delinquency'.  If this has occurred, it is a gross violation of federal law and is an offense that can take them to court.

The statute-of-limitations period starts on the date of the first non-payment or the date of the last activity on the account.  If an unethical collection agency has re-aged the original date of delinquency on one or more of your accounts, you have the right to pursue a cause-of-action, as outlined by the FCRA and the Fair Debt Collection Practices Act.  An FCRA lawyer would be ready to assist you!

New York, We Have Your Back!

Legal representation is critical to ensure your rights are being protected under the FCRA.  You want a powerful legal advocate who will, not only, fight for your consumer rights but hold parties accountable and work towards any, possible, financial damages.

We encourage you to visit www.annualcreditreport.com to secure your free credit reports.  If any information looks questionable, give us a call, right away, at 1-877-615-1725.  An FCRA lawyer will assess your situation as part of a free case review.  You can, also, take advantage of a free credit report analysis.  Your situation's circumstances may entitle you to monetary recoveries.

New Yorkers Want Real Results – We Deliver Them!

As a leading national consumer-protection law firm, Consumer Attorneys offers New York residents more than 10 years of in-depth experience.  Our lawyers' efforts have secured more than $100 million in monetary recoveries for our clients.

From New York to Arizona to California, our FCRA lawyer teams help consumers restore their good names, their reputations, and their credit standings that may have been negatively impacted by one or more parties' actions.  Consumer Attorneys represents the interests of consumers, nationwide, in state and federal courts.

Consumer Attorneys is featured in a variety of prominent media outlets including:

  • Super Lawyers
  • CR Consumer Reports
  • Bankrate
  • The New York Times
  • Daily News
  • Reuters and Law Street.

Super Lawyers, for instance, has a long-standing reputation for excellence and includes only qualified lawyers who have been chosen from a select pool of candidates – candidates who have been peer-reviewed and independently researched.

It's important to know, also, that if your claim is accepted, you pay no out-of-pocket fees.  Your FCRA lawyer team would receive a fee only if it would win, on your behalf!

Let Justice Be Served– Give Us a Call!

If your credit reports or consumer reports include damaging errors or if the errors have not been fully rectified after a proper dispute or other measures, call Consumer Attorneys, immediately!  New York residents can connect with our legal team, in various ways:

  • Call 1-877-615-1725 for immediate assistance and a free case review
  • Fill out our brief Contact Us form or initiate a LIVE CHAT – share your concerns.

Reach out to us at info@consumerattorneys.com with any questions, at any time.

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