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Credit Report Dispute. Legal Support for Credit Reporting Issues.

Consumer Attorneys: Resolving Credit Report Mistakes

  • We’ll challenge inaccurate or misleading late payments and charge-offs on your credit report.

  • If credit reporting agencies fail to resolve our disputes fairly, our team will fight for the monetary compensation you deserve.

  • You won’t pay any out-of-pocket fees—we’ll recover our legal costs from the credit bureaus that failed to investigate your credit report dispute.

INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLLC (“CA” or “we”), located at 68-29 Main Street, Flushing, NY 11367 (“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”). 1 Please 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.

1 You 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

I have read and agree to the Privacy Policy, Investigative Retainer
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Mistakes on Credit Report. Why did this happen?

Credit reporting agencies such as TransUnion, Experian and Equifax, collect data from banks and financial institutions to create a report of your credit history, including late payments, charge-offs, collection accounts, and credit usage. However, financial institutions may occasionally report inaccurate information, or your payment may not be processed correctly, leading to errors. In some cases, the information from the bank may be accurate, but the reporting agency fails to update it properly. This can result in inaccurate late payments, account statuses, and other errors on your credit report. Reach out to Consumer Attorneys to learn how to dispute these errors effectively.

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REASONS FOR LITIGATION

Credit Reporting Errors Impacting Your Life? Get in touch with us today if you’ve experienced any of the following:

  • Your credit report contains incorrect late payments, charge-offs, or accounts you don’t recognize.

  • You’ve disputed inaccuracies on your credit reports, but the credit bureaus mishandled your dispute, and now you want to hold them accountable.

  • Inaccurate information on your credit report has led to credit or housing denials, along with other missed opportunities.

  • You’re seeking monetary compensation for the damage and inconvenience caused by the inaccuracies on your credit reports.

Credit Report Dispute or an FCRA Lawsuit?

The Fair Credit Reporting Act (FCRA) safeguards consumers from false information on their credit reports. Under 15 USC 1681(i), consumers have the right to dispute inaccuracies on their credit reports. Reporting agencies are obligated to address disputes and conduct a reasonable investigation. If they fail to do so, it may lead to grounds for a federal lawsuit against the reporting agency. An FCRA lawsuit can compel the bureaus to correct the errors on the report and provide monetary compensation to the consumer for financial damages, emotional distress, and time lost due to the inaccuracies.

HOW IT WORKS

What to do if my credit reports show inaccurate information?

1

Step

Obtain the reports and proof of inaccuracy

In order to review the mistakes on your credit reports our team will need the reports themselves and any evidence showing that the reporting is incorrect.

2

Step

SCHEDULE A LEGAL REVIEW

Our team of paralegals will thoroughly review your credit reports and supporting documents. We will prepare dispute letters to file a comprehensive dispute with all the credit bureaus reporting inaccuracies on your credit reports.

3

Step

Dispute and Lawsuit

Once we file a dispute, the reporting agencies have 30 days to conduct their investigation and may correct any mistakes. However, if they fail to properly address our dispute, we will file a federal lawsuit to correct your reports through the court, in addition to securing monetary compensation for you.

Consumer Attorneys can file a lawsuit only if the reporting agency fails to correct the mistakes after the dispute process or if other circumstances justify legal action.

DISPUTE CREDIT REPORTS - CONSUMER ATTORNEYS

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ABOUT US

Consumer Attorneys is one of the leading consumer protection law firms in the United States

We are a team of attorneys, legal assistants, case managers, and other dedicated professionals committed to correcting errors in individuals background and credit reports. We work to help clients swiftly correct inaccuracies, restore their reputations, and uphold their rights. Our expertise includes resolving cases of identity theft, mixed identity, addressing erroneous information, and holding consumer reporting companies accountable for their mistakes in court. We also assist clients in overcoming housing and employment denials caused by false reporting.

Find a lawyer

10,000+

Nationwide Clients

25+ Years

Combined Experience

$100+ Million

Recovered for Clients

WHY CHOOSE US?

Consumer Attorneys gives you a helping hand

We have earned the respect and praise of judges, the lawyers we face in the courtroom and, most importantly, our clients by caring about their issues and coming up with innovative solutions to their consumer finance issues. Our team of experienced attorneys are dedicated to helping our clients understand and navigate every step of the case. While we are based in New York City, we represent the interests of consumers nationwide in both state and federal courts.

FREE LEGAL SUPPORT

It is not you who pays us. A favorable court resolution will be our remuneration.

REPUTATION FOR SUCCESS

We have proven success in class-action litigation, as well as the skills and resources needed for every case.

PASSIONATE CONSUMER ADVOCACY

We sue consumer reporting agencies for mistakes and collection agencies for FDCPA violations.

We understand the harm that big credit reporting can do to innocent consumers. We also understand how difficult, expensive and emotionally draining it can be to untangle mistakes that weren't yours in the first place. Consumer Attorneys doesn't take a dime from its clients until we reach a settlement or a court decision in our clients’ favor.

Am I Entitled to Compensation?

We believe credit reporting companies should be held accountable for the distress they put consumers through. The reputational damage, humiliation, lost wages, and non-budgeted spending that can stem from credit report mistakes could make you eligible for compensation. If your rights were violated under the FCRA, you could win actual and/or statutory damages if your claim is successful. Consumer Attorneys will offer a free consultation where you’ll receive an estimate of how much your case is worth.

YOU SHOULD KNOW THAT...

Someone else’s files and information included on your background report.

Inclusion of damaging information in a background report, such as expunged records or arrests older than seven years not resulting in a conviction.

Erroneous records like incorrect criminal convictions, case dispositions, charge degrees, dates and etc.

Don’t fight credit bureaus alone. The volume of complaints received by these companies means more damaging mistakes are often made during the dispute process. Let us know if our experienced and empathetic attorneys can help you get the justice you deserve.

Dispute Errors On Credit Reports Consumer Attorneys - Protect Your Financial Future

You already know the consequences of false information in credit reporting if you’re a victim of it. You can be denied housing, or credit. Erroneous information in a credit report can destroy your life plans in a moment.

WHAT OUR CLIENTS ARE SAYING

Kumar J's testimonial

Kumar J

Washington

Toyota Motors unexpectedly placed a charge-off on my account. I disputed it twice, but nothing was corrected. They even acknowledged a glitch, yet continued to report the charge-off. After reaching out to Consumer Attorneys, we filed another dispute. When the credit bureaus once again failed to resolve the issue, we filed a lawsuit. As a result, I received over $20,000 in compensation, and my credit reports were finally corrected.

Sandra B's testimonial

Sandra B

New York

I paid off a collection account in full, but it continued to show a balance on my credit report for over a year before I noticed. I contacted Consumer Attorneys, and we filed a dispute, but there was still no change. We took it to court, suing all three reporting agencies and the collection agency. In the end, I received over $30,000 for the damage this account caused me!

Josue S's testimonial

Josue S

Florida

Very awesome and helpful Lawyers firm! Helped me greatly in my lowest by achieving great outcomes. I couldn't have anyone else but consumers attorneys.

FREE CONSULTING FOR OUR CLIENTS

CALL US NOW: +1 877-615-1725
INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLLC (“CA” or “we”), located at 68-29 Main Street, Flushing, NY 11367 (“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”). 1 Please 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.

1 You 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

I have read and agree to the Privacy Policy, Investigative Retainer
Supported file formats:
CONTACT US

Head Office NY

68-29 Main Street, Flushing NY 11367

+1 877-615-1725

info@consumerattorneys.com

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