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Identity Theft in California: How the FCBA, EFTA and FCRA Protect You - and What to Do Next
California has long been a hotspot for identity theft, thanks to its large population, tech-driven economy, and concentration of data-driven businesses. From Los Angeles to Sacramento, thousands of consumers each year discover that their personal information has been misused - credit cards opened in their name, bank accounts drained, or credit reports wrecked by fraudulent activity. If you’ve been a victim of identity theft in California, federal laws like the Fair Credit Billing Act (FCBA), Electronic Fund Transfer Act (EFTA), and Fair Credit Reporting Act (FCRA) offer critical protections.
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How long does bankruptcy stay on your credit report
Types of bankruptcy and how they affect your financial life.
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How to Remove Late Payments from Your Credit Report
Late payments don’t have to be on your credit report forever
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SmartMove Background Check Mistakes
When a SmartMove Background Check Gets Your Criminal Record Wrong, We Can Help Make It Right.
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Accurate Background Check Errors
If you lost out on a job because of Accurate Background check errors, our attorneys help you fight back and recover!
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What does Postmates look for in a background check?
A background check by Postmates focuses on two elements
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How to Remove Hard Inquiries from Experian
If Experian Reports Unauthorized Hard Inquiries In Your Credit Report, You Have the Right to Dispute and Seek Correction!
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Equifax Credit Reports: All You Need to Know
Are Equifax credit errors robbing you of opportunities? Fight back with Consumer Attorneys!
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All You Need to Know about Kroll Background Checks
Kroll background checks reduce risks for employers. But sometimes, reporting errors harm job candidates instead.
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What is at risk when someone steals your identity?
The dangers of identity theft
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How Credit Reporting Agencies Ruin People's Lives
Like some kind of financial long Covid, when credit reporting agencies and background check companies like On Site LLC don’t fix their mistakes (even after agreeing to and paying a cash settlement) the result is on-going suffering that never ends, like a festering wound.
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There is an error on my credit report. How can Consumer Attorneys help?
Thanks to Consumer Attorneys, a client was able to recover from multiple credit report errors.
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Hard Inquiries Are Compromising Your Credit Score? Here’s What You Can Do
Hard inquiries appearing on credit reports are normal, and if you’ve applied for a form of credit, you have them on yours.
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False OFAC Alert on Credit Report: How to Solve Error?
If you had the misfortune of being erroneously flagged as a terrorist on your credit report, you need to read this.
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Wells Fargo Credit Report Dispute
You have the right to dispute inaccurate credit information. Here’s what to know about disputing Wells Fargo errors.
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Can You Sue a Bank for Incorrect Credit Reporting
Don’t let your bank’s reporting errors cause your score to drop! Here’s how our attorneys can help you recover.
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All You Need to Know About Info Cubic Background Checks
Everything You Need to Know About Info Cubic Background Checks, Disputing Errors & Filing a Lawsuit!
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Most Common Credit Report Errors and What to Do if You Find Errors
Fix Credit Reporting Inaccuracies and Rebuild Your Creditworthiness with Consumer Attorneys!
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What Is Synthetic Identity Theft and Fraud?
Don’t Let Synthetic Identity Theft Ruin Your Life. Consumer Attorneys Helps You Protect Yourself from Becoming a Victim!
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When an Employer Does a Background Check
How do you know if you failed an employer background check? And what do you do if there are errors in your background check report?
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Blog Spotlight

30 Dec, 2025
Meir Rubinov
The FCRA’s ‘Complete and Up to Date’ Standard Under § 1681k(a)(2): A True Accuracy Mandate
This article examines the FCRA’s “complete and up to date” requirement under §1681k(a)(2), tracing its legislative history, statutory meaning, and heightened accuracy obligations for public record information used in employment decisions.
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6 min

29 Dec, 2025
Meir Rubinov
Sworn Truth, Ignored: How Reyes v. Equifax Undermines Identity Theft Protections and Misreads the FCRA
In Reyes v. Equifax, the Fifth Circuit affirmed summary judgment for Equifax, ruling that a consumer reporting agency isn’t required to delete accurate tradelines even when identity theft is alleged. This article examines the court’s logic, statutory framework in the Fair Credit Reporting Act, and the implications for consumer rights and identity-theft protections.
1
10 min

23 Dec, 2025
Meir Rubinov
“Actual Damages” Under the EFTA Include Emotional Distress
The Electronic Fund Transfer Act (EFTA) empowers consumers to recover “actual damages” for violations of its provisions. Because “actual damages” isn’t limited by statute to just economic loss, courts have recognized that non-economic harms like emotional distress may be compensable. Learn how this interpretation strengthens consumer rights and what it could mean for your case with Consumer Attorneys PLLC.
7
7 min

23 Dec, 2025
Meir Rubinov
Inaccurate Credit Reports: How Common Errors Shape Consumers’ Lives
Credit reports quietly shape access to loans, housing, jobs, and insurance. Drawing on decades of government and consumer research, this article examines how common credit report errors really are, why they persist, and how inaccurate data continues to harm consumers’ lives.
6
5 min
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