Law Offices of Brandon A. Block

Law Offices of Brandon A. Block sues companies that violate fair credit reporting laws. Those laws protect against inaccuracies in your credit report. If there is an error in your report, you can notify the credit bureau of the error. The bureau must investigate the issue within 30 days by asking the furnisher of the information to verify its accuracy and by reviewing the information that you provide. If the reporting is found to be inaccurate or it cannot be verified, the bureau must remove it. Even if the bureau verifies the information, the furnisher must report your account as “disputed.” Often, credit bureaus continue to report inaccurate information, even after an investigation. If so, try again. If it persists, contact us.

Fair credit reporting laws also limit access to your credit report for certain “permissible purposes”, generally for a legitimate business need. For example, a company is allowed to get a copy of your report if you apply for credit, insurance, employment or to rent an apartment. Accessing a credit report without a permissible purpose is a serious issue and can negatively impact your credit score. It is important to bring this issue to a lawyer as soon as possible.

If you win a case under the fair credit reporting laws, you should be able to resolve the credit reporting error. You also may recover a statutory penalty up to $1,000, your attorneys’ fees and costs, and your actual damages. Actual damages come in many forms and can include your pain and suffering for having to deal with the violation.

We are very experienced in fair credit reporting laws related to repossessions and have successfully resolved claims for violations of those laws against some of the largest creditors and credit reporting agencies. Please feel free to contact us with your issue.