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The Importance of an FCRA Attorney

An FCRA attorney is an important ally for consumers who have been subjected to unfair and inaccurate credit reporting. A knowledgeable and experienced FCRA attorney can help protect a consumer’s rights by helping them navigate the credit bureau dispute process, negotiating claims for compensation, and taking legal action when necessary to pursue damages.

Consumers who have been subjected to a variety of harms due to the misinformation in their credit files, including being passed over for jobs or rejected for rent because of negative information in background checks, are often entitled to substantial monetary recovery from companies that violate the Fair Credit Reporting Act (FCRA). A consumer’s FCRA attorney can review the details of their case and determine the best course of action to take.

Many FCRA lawyer in Chicago violations revolve around the failure of credit reporting agencies and creditors to remove inaccurate information after a consumer disputes it with them. A skilled FCRA lawyer can help a consumer through the entire dispute process, including contacting the company that furnished the incorrect information to have it corrected.

Aside from assisting with the credit bureau dispute process, an experienced FCRA attorney can also work to investigate whether other violations have occurred. This includes investigating the accuracy of an individual’s personal information, determining whether a consumer has been subjected to re-aging of old debt, and more. If a consumer’s FCRA rights have been violated, the attorney can file a lawsuit on their behalf, seeking damages including actual and punitive damages, in addition to attorneys fees.

The best FCRA attorneys will have a strong track record of managing FCRA cases, familiarity with the essential FCRA requirements and penalties for non-compliance, and a reputation for providing a high level of customer service. They will also be able to effectively communicate with the client, answering any questions or concerns they may have.

Consumers are relying more and more on credit reports and background checks to make major decisions, including whether they should be hired for a job or approved for a loan or mortgage. Unfortunately, these types of reports are often compiled by businesses that are more concerned with profits than the accuracy of the information they report.

Inaccurate and outdated information can have devastating effects on a person’s life, from missed opportunities for employment or housing to higher car insurance rates or being sued by unethical collection agencies for unpaid debts. An experienced FCRA attorney can help a consumer recover compensation for these damages from a credit bureau, employer, or other parties that have violated their federal and state FCRA rights.

If you’re a victim of a violation of the Fair Credit Reporting Act, contact Mike Agruss Law today for a free consultation with an FCRA attorney. We are here to fight for your rights! The statute of limitations for filing a lawsuit for a violation of the FCRA is only two years, so don’t wait to get started. We work on a contingency basis, which means that we do not get paid unless you win.

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