Consumers have rights under the Fair Credit Reporting Act (FCRA). When those rights are violated, legal action can help consumers get the compensation they deserve. Finding a FCRA lawyer can be difficult, but Sue the Collector is here to help. We can connect you with an experienced attorney who knows consumer protection laws in your state as well as federal regulations. When looking for an attorney for your case, you should always check several factors:
- Their case history
- Their current caseload
- Their knowledge of local laws
- Their reviews from previous clients
- Their personal connection with you
If you believe that your rights under the Fair Credit Reporting Act have been violated, contact Sue the Collector immediately so that we can discuss how best to help you. Call our office at (866) 768-6005 to speak with a representative directly, or fill out the form on our contact page and we will respond as soon as possible. With our help, you can connect with a skilled FCRA lawyer who can help you get the compensation you deserve.
Your Rights Under the FCRA
Before you go looking for a FCRA attorney, you’ll need to have a good idea that your rights have been violated. Though the law is complex, you should always check with Sue the Collector via our FREE consultation if you feel as if the credit reporting agency has improperly shared your information without your consent or if the information they have is inaccurate.
Rights Concerning False Information
You can dispute information in your credit report if you believe it to be inaccurate. The credit reporting agency must delete or correct any information that is false, usually within 60 days. However, if it does its due diligence and finds the information to be accurate, it can keep it in your file.
Importantly, the credit reporting agency must provide you information on the data in your file. You have the right to know what your report says about you, and you can request a free copy of your report at least once per year.
Right to Privacy
The information that the credit reporting agency has on you is not available simply for public use. Entities that want access to it must have a valid reason. Typical groups that are allowed to access credit reporting information about you (sometimes after requiring your consent) include:
- Insurance agencies
You also have the right to implement a “security freeze” on your report, which means that access to your report must be allowed explicitly by you in all cases.
What to Look for in a FCRA Lawyer
Selecting the right lawyer for your case is not always an easy task. Your attorney should be someone who knows the law, has a good track record, and is also someone with whom you feel comfortable disclosing personal information.
One of the most important aspects of finding a good lawyer is their case history. Make sure to discuss their experience in FCRA law when you attend your initial consultation. You want to select an attorney who has worked on these kinds of cases before, but more than that: one who has won a lot of these cases before.
Online reviews are not the be-all-end-all of finding the right lawyer or law firm, as the content only reflects the clients’ subjective experiences. Still, you should be wary of attorneys who have consistently negative reviews for similar issues. For example, if lots of people claim that the attorney did not handle their case professionally, or was not sympathetic to them, you might want to look elsewhere.
Another often overlooked factor when selecting a FCRA attorney is the lawyer’s personality. While it is not necessary for an attorney to be someone you’d want to take to lunch, you should always have enough of a connection and personable relationship with them that allows you to be comfortable sharing personal information. After all, this person will learn about your credit and financial history and will work with you for an extended period of time while your case resolves. You want to be sure you are comfortable with them and they treat you properly, professionally, and positively.
How Sue the Collector Helps
When you get in touch with Sue the Collector, we provide you with assistance by evaluating your case, your credit reports, your call history, and other factors that might be evidence of illegal manipulations by debt collectors and reporting agencies. We also help by connecting qualified clients with legitimate cases for legal action with highly knowledgeable FCRA lawyers who can take on your case.
Rather than having to sift through the thousands of attorneys you can find online, Sue the Collector allows you to go right to the source. Our attorneys are skilled, experienced, and personable, so you are always in good hands.
Get a FREE Consultation Today
If your rights under the Fair Credit Reporting Act have been violated, or if you feel hounded and harassed by debt collectors, you might have cause for a lawsuit. In the past, our clients have been able to recover:
- $1,000 for debt collection violations
- $1,500 per illegally-made robocall
Call Sue the Collector at (866) 768-6005 to get a FREE consultation on the merits and details of your potential case. If we find that your rights have been violated, we can connect you with skilled attorneys immediately. You can also reach us by filling out the form on our contact page.