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 [...]
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 [...]
Credit report errors can cause credit denials. According to the Federal Trade Commission, one out of five consumers have credit report errors. Credit report errors are often the result of mixed credit files. A mixed credit report is a credit report that contains information about more than one consumer. Mixed files are common amongst [...]
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.
Do you have credit report errors? Have you disputed the false information to the credit bureaus? Now What?
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 [...]
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 [...]
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 [...]
Background report lawsuit results in verdict for employer's willful violation of the FCRA.