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Free Legal Support for Credit Reporting Errors

Correcting Credit Report Errors with Care and Precision!

  • We’ll challenge inaccurate or misleading late payments, charge-offs and other negative items 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 pay nothing. We’ll recover our legal costs from the credit bureaus at the resolution of our case.

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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Why Credit Reporting Errors Happen?

Credit reporting agencies like TransUnion, Experian, and Equifax collect data from banks and financial institutions to create your credit report, including late payments, charge-offs, collection accounts, and credit usage. However, banks may occasionally report inaccurate information, or payments might not be processed correctly, leading to errors. In some cases, the data from the bank is accurate, but the reporting agency fails to update it properly, resulting in incorrect late payments, account statuses, and other inaccuracies. Contact Consumer Attorneys to learn how to dispute these errors effectively!

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REASONS FOR LITIGATION

Credit Reporting Errors Impacting Your Life?

  • 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.

  • 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.

Connect With Your Credit Report Attorney Today!

The Fair Credit Reporting Act (FCRA) safeguards consumers from false information on their credit reports. 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 attorney 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

Let's Fix Your Credit Reports!

1

Step

Obtaining Your Reports

In order to review the mistakes on your credit reports, our team will need the reports themselves, along with any supporting documents or evidence clearly showing that the reporting is incorrect.

2

Step

Fiiling a Dispute

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

Fix & Compensation

Once we file a dispute, the reporting agencies have 30 days to investigate and may correct any mistakes. If they fail to properly address it, we will file a federal lawsuit to fix your reports and secure monetary compensation.

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.

PROTECT YOUR CREDIT – START YOUR DISPUTE

LET'S START
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ABOUT OUR COMPANY

Fighting for Your Rights and Future, Every Step of the Way!

At Consumer Attorneys, we’re here to help you fight back against credit report errors that damage your financial reputation. Our experienced team of FCRA attorneys, legal assistants, and case managers is dedicated to correcting inaccurate entries that can unfairly disrupt your life. Whether it's incorrect account statuses, outdated information, or accounts that don’t belong to you, we understand how important it is to resolve these issues quickly. Our law firm specializes in FCRA cases, ensuring that credit reporting agencies and data furnishers follow the law. These errors can lead to denied credit, lost job opportunities, or housing rejections. We fight to hold the responsible parties accountable and help you secure the compensation you deserve, so you can move forward with confidence!

FIND A LAWYER

10,000+

Nationwide Clients

25+ Years

Combined Experience

$100+ Million

Recovered for Clients

WHY CHOOSE US?

Consumer Attorneys - More Than Just Your Legal Team

At Consumer Attorneys, we don’t just represent you – we aggressively fight for your rights. We hold reporting agencies accountable for their mistakes and violations, whether it’s inaccurate background check information or errors on your credit report. Your rights matter, and we stand up for them every step of the way.

FREE LEGAL SUPPORT

You don’t pay us out of pocket - our fees are collected directly from the credit reporting agencies. This means you won’t have to worry about upfront costs or hidden fees. We take on the financial risk, working tirelessly on your behalf to secure a favorable outcome.

EXPERIENCED LEGAL TEAM

Choosing Consumer Attorneys means you’ll have a legal team with deep knowledge of FCRA law and extensive experience in handling credit reporting errors. Our skilled agents are trained to investigate inaccuracies quickly and thoroughly, ensuring no detail is overlooked.

Proven Success

We’ve successfully settled numerous cases against TransUnion, Experian, Equifax and other reporting agencies, securing favorable outcomes for our clients. With our extensive experience and proven success, you can trust that we have the skills and determination to fight for you.

Knowing your rights is the first step in protecting yourself from inaccurate credit reporting.

Financial Compensation Our Clients May Receive

If errors on your credit report caused you to be denied housing, a loan, or led to emotional distress, you may be entitled to compensation under the Fair Credit Reporting Act (FCRA). This can include actual damages for financial loss, statutory damages up to $1,000 per violation, and even punitive damages if the reporting agency acted willfully. We also make the defendants pay our attorney’s fees and court costs. Our legal team will assess your case and fight to secure the compensation you deserve!

YOU SHOULD KNOW THAT

Mistakes like incorrect late payments, account statuses, or balances can lower your credit score and result in credit denials, lost job opportunities, or higher loan rates.

Under the FCRA, you’re legally entitled to challenge inaccurate information. Credit bureaus must investigate and correct verified mistakes, if otherwise - they’re violating your rights.

Once you file a dispute, credit bureaus have 30 days to complete their investigation. If the error is confirmed, they are required by law to correct or remove it from your report.

Wrong items on your credit report must be addressed and investigated immediately. Large corporations may not prioritize consumers - we do!

We Are Here to Protect Your Financial Future!

Don't fight credit reporting mistakes alone - help is available.

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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