Empresas de informes complementarios

  • Empresas de informes complementarios

Empresas de informes complementarios

Si un informe de crédito o de antecedentes de las fuentes de información suplementarias tiene errores, podemos ayudarle a corregirlos.

Al día de hoy, las agencias de informes de crédito son una parte integral del sistema financiero. Ofrecen servicios de información crediticia para las instituciones financieras y realizan verificaciones para conocer los antecedentes penales o de fraude de una persona.

La variedad de proveedores que disponen de sus datos y los proporcionan a las agencias de información crediticia sería preocupante para muchos. Incluso le sorprendería más la cantidad de errores que hay en estas bases de datos. El problema es que, aunque estas agencias de informes crediticios hacen un gran esfuerzo para elaborar informes concisos, lo hacen obteniendo información de diferentes fuentes.

Por más preciso que sea el informe, si hay un error, podría crearle un gran problema. Estos problemas limitarán sus oportunidades, específicamente cuando se trata de crecimiento profesional, oportunidades laborales o préstamos financieros. 

Estos errores en el informe pueden afectar a su vida profesional y personal. Todas las agencias de informes crediticios deben cumplir con la Ley de Informes de Crédito Justos (FCRA). La FCRA establece que usted debe proporcionar su consentimiento por escrito antes de cualquier verificación de antecedentes y también recibir una copia de su informe de crédito. Al encontrar un error en el informe, la empresa tiene un plazo de 30 días para rectificarlo. De lo contrario, usted puede emprender acciones legales contra ellos.

Si su informe crediticio sigue teniendo errores perjudiciales, llame y consulte a Consumer Attorneys al +1 877-615-1725 para obtener asistencia inmediata, o puede completar una revisión gratuita de su caso en nuestra página web. Le informaremos de su próximo paso, ¡y no tendrá gastos de su bolsillo!

Aquí hay una lista de las empresas de informes complementarios más comunes:

  • A-PLUS Personal Lines Loss History Solutions de Verisk Analytics
  • Avantus
  • ChoicePoint
  • Collection Resources
  • CoreLogic Credco
  • Factual Data
  • FirstPoint
  • Inflection Risk Solutions
  • Innovis
  • LexisNexis Risk Solutions
  • L2C Inc.
  • SageStream
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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.

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

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