Compañías minoristas

  • Compañías minoristas

Compañías minoristas

Puede obtener ayuda si la evaluación de crédito de una empresa minorista contiene errores.

Las verificaciones de antecedentes y los servicios de selección facilitan la vida de las compañías porque ofrecen una forma rápida y eficaz de reducir sus responsabilidades y tomar decisiones seguras al conceder créditos a los consumidores. La industria minorista tiene una forma diferente de realizar una verificación de antecedentes: Las empresas de informes de crédito para minoristas recopilan información sobre los clientes que devuelven artículos a las tiendas con regularidad. Estas empresas luego utilizan estos historiales de devolución para detectar actividades fraudulentas en el sistema.

Las empresas específicas de informes de  crédito para minoristas más conocidas son:

Es probable que los clientes que devuelven productos con más frecuencia que otros son propensos a cometer fraude, y es comprensible que los comerciantes quieran tomar medidas contra tales actividades. Sin embargo, si ha sido denunciado injustamente por la empresa especifica de informes crediticios para minoristas, tiene derecho a disputar. La cantidad de datos sin procesar simplificada al compilar estos informes es alta, por lo que existe la posibilidad de numerosas inexactitudes.

Estas inexactitudes pueden tener un gran impacto en su vida al dañar su reputación, impedirle conseguir un trabajo, hacer que le incluyan en la lista negra de los puntos de venta, exponerle a cargos legales, poner en peligro sus posibilidades de obtener un ascenso, etc. Si una empresa se ha negado a otorgarle un préstamo a causa de una mezcla de perfiles, puede solicitar que corrijan los errores de inmediato.

Las consecuencias personales y profesionales debidas a un informe de verificación de antecedentes desfavorable no están escritas en piedra. Tiene opciones bajo la Ley de Informe de Crédito Justo (FCRA) que le garantiza una copia de su informe de crédito, y si encuentra que la información es incorrecta, puede decirles a estas empresas de informes de crédito minoristas que lo corrijan en un plazo de 30 días; de lo contrario, tiene derecho a presentar una demanda contra ellos. Tiene derecho a recibir una notificación si una persona o una compañía ha utilizado un informe de crédito o de consumo en su contra. Según la Ley de Informe de Crédito Justo (FCRA), debe dar su consentimiento para que se lleve a cabo una verificación de antecedentes en su contra.

Los errores en los informes de crédito no son fáciles de eliminar; por eso necesita a Consumer Attorneys. Comuníquese con nosotros al +1 877-615-1725 para obtener asistencia inmediata, o puede solicitar una revisión gratuita de su caso en nuestra página web.

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INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLC (“CA” or “we”), located at 8095 N. 85th Way, Scottsdale, AZ 85258 (“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.

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Termination of Exclusive Investigation Period

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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).

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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.

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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.
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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.

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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).

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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.

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FORM # INV2024CA119

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