» Report Fraud

If you feel you have been the victim of consumer fraud or any type of fraud, please contact us to learn about your legal rights and options.

An attorney client relationship is not established by submitting this initial contact information.

ATTORNEY ADVERTISING -
Flood Law Group, LLP
1101 Pennsylvania Avenue NW, Suite 600
Washington, DC 20004

Your Rights Under the Fair Credit Reporting Act

<< Back to Credit Reports

Congress enacted the Fair Credit Reporting Act (FCRA) in 1970 to encourage fair and accurate reporting of information contained in consumer credit reports. The Act was also established to ensure a certain level of consumer privacy since credit reports contain important personal and private information including: where you live, how you pay your bills, whether you've been sued, arrested, or filed bankruptcy. To make sure your rights are protected, you need to know what the law does and does not allow.

Under the FCRA, you have the right to:

  • Know if information in your file has been used against you.
  • Know what information is contained in your file.
  • Ask for your credit score.
  • Dispute incomplete or inaccurate information.
  • Limit "prescreened" offers of credit and insurance based on information in your credit report.
  • Receive a free copy of your credit report from each of the three nationwide consumer credit-reporting companies – Equifax, Experian, and TransUnion – annually.

The FCRA does not allow consumer-reporting agencies to:

  • Report outdated negative information.
  • Provide information about you to people for invalid or unjustifiable reasons.
  • Report inaccurate, incomplete, or unverifiable information.
  • Provide an employer with your credit report information without your prior consent.

Protect Yourself from Credit Report Fraud

Credit report fraud is rampant in the United States. Make sure your rights are protected. If you suspect that you have been the victim of a credit report scam, you should report your complaint to the Federal Trade Commission. Although the FTC does not resolve individual claims, it does investigate reports of fraudulent practices and makes sure the law is enforced.

If you have questions about filing a consumer fraud lawsuit because you've been the victim of a credit report scam, a qualified attorney can evaluate your claim and help you determine a proper course of action. Contact us today to speak with one of our experienced consumer fraud lawyers.