Do you know how to order your free credit reports from Equifax, Experian and Trans Union? We help our clients learn how to order free credit reports and to dispute credit report errors.
Got Credit Report Errors? Do you know how to dispute credit report errors?
Consumers often contact the Adkins Firm and ask how to get their free credit reports. The Fair Credit Reporting Act (FCRA) is a federal law that gives consumers the right to a free credit report under several circumstances. One of the most important and basic rights for consumers under the FCRA is the right to … Continue reading HOW TO ORDER YOUR CREDIT REPORTS FOR FREE
PUBLIC RECORD ERRORS AND CREDIT REPORTS Consumers often contact The Adkins Firm because they have public record errors on their credit reports. Public records may include judgments and liens, such as tax liens. After a judgment or a lien is filed with the court, consumer reporting agencies include the public record information on the consumer’s credit … Continue reading PUBLIC RECORD ERRORS AND CREDIT REPORTS
The trial court acknowledged Synchrony’s claims shared facts in common; however, because the plaintiff’s claims were made under federal law, the FCRA, and the FCRA does not “expressly or impliedly provide a right to indemnity,” the court denied Synchrony’s motion for leave to file the third party complaint. Accordingly, “[f]rom a policy standpoint, therefore, it is difficult to conjure up support for a rule which would allow a furnisher to bring an indemnification action.”
CREDIT REPORT DISPUTE LAWYER - Under the Fair Credit Reporting Act (FCRA), there is no private cause of action under 15 U.S.C. § 1681s-2(a). In other words, consumers cannot successfully sue furnishers for reporting false information under the FCRA.
Debt Collectors' New Credit Reporting Policy Shortens Time for Negative Credit Information on Consumers' Credit Reports Encore Capital Group, Inc. announced a change in its credit reporting policies for consumers. Encore's subsidiaries include: Midland Credit Management; Midland Funding, Asset Acceptance; Atlantic Credit & Finance. According to the Encore press release, "A significant challenge with current … Continue reading DEBT COLLECTORS’ NEW CREDIT REPORTING POLICY SHORTENS TIME FOR NEGATIVE CREDIT INFORMATION
The Consumer Financial Protection Bureau (CFPB) took action against Equifax, Trans Union and their subsidiaries for deceiving consumers about the usefulness and actual cost of credit scores sold to consumers. According to the CFPB papers, Equifax and Trans Union also lured consumers into costly recurring payments for credit related products with false promises. The CFPB ordered … Continue reading CFPB TAKES ACTION AGAINST EQUIFAX AND TRANS UNION CREDIT BUREAUS
In a recent decision, a district court denied a user's motion to dismiss citing Spokeo under the Fair Credit Reporting Act ("FCRA"). Green, III v. Rentgrow, Inc. and Trans Union, LLC, Case No.: 2:16-cv-421 (E.D. Va, Nov. 10, 2016). Facts: Walter Green, III, received a credit monitoring alert that RentGrow obtained a copy of his … Continue reading Court Denies RentGrow’s Motion to Dismiss Under Spokeo
Consumers often contact us and ask how to dispute credit report errors. Its easy. First, order your credit reports from the nationwide consumer reporting agencies Equifax, Experian and Trans Union. You should order your free credit reports from each of the bureaus using this one page form. Download the free-annual-disclosure-request-form and mail it to the address on … Continue reading How Do I Dispute Credit Report Errors?