COURT DENIES WELLS FARGO’S MOTION TO DISMISS FCRA CLAIMS

COURT DENIES WELLS FARGO’S MOTION TO DISMISS FCRA CLAIMS A court in the Middle District of Florida recently denied Wells Fargo’s motion to dismiss claims made by a consumer under the Fair Credit Reporting Act (FCRA). Background On June 5, 2018, Plaintiff filed suit against Wells Fargo and alleged Wells Fargo violated the Fair Credit … Continue reading COURT DENIES WELLS FARGO’S MOTION TO DISMISS FCRA CLAIMS

Do I have the right to order a free credit report?

Do I have the right to order a free credit report? The federal Fair Credit Reporting Act promotes the accuracy of credit reports and the privacy of personal information.  Under federal law, consumers have the right to get a free credit report once every 12 months.   This is called a free annual credit report.  Consumers are also entitled to free … Continue reading Do I have the right to order a free credit report?

HOW TO ORDER YOUR FREE CREDIT REPORTS FROM EQUIFAX, EXPERIAN AND TRANS UNION

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.

HOW TO DISPUTE CREDIT REPORT ERRORS

Got Credit Report Errors? Do you know how to dispute credit report errors?

FCRA WILLFULNESS STANDARD FAVORS CONSUMERS

The FCRA's willfulness standard favors consumers, especially when defendants have information that corroborates the consumer's dispute.

Attorney Micah Adkins Rated by Super Lawyers as a 2017 Mid South Rising Star

Every year Super Lawyers selects attorneys from all firm sizes and over 70 practice areas throughout the United States.  Super Lawyers recognizes lawyers for performance based on peer recognition. Through the selection process, while no more than five percent of the lawyers in the state are named to Super Lawyers, only 2.5 percent of the … Continue reading Attorney Micah Adkins Rated by Super Lawyers as a 2017 Mid South Rising Star

HOW TO ORDER YOUR CREDIT REPORTS FOR FREE

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

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

CREDIT REPORT ERRORS CAN CAUSE CREDIT DENIALS

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 … Continue reading CREDIT REPORT ERRORS CAN CAUSE CREDIT DENIALS

FCRA UPDATE: NO RIGHT TO OFFSET UNDER FCRA

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.”