Credit Reporting Issues

Class action lawsuits, against employers for violating the FCRA, have been on the rise. The most common FCRA violations include: failure to use stand-alone documents for disclosure and consent for a background check, failure to provide pre-adverse action notice to applicant if employer intends to take adverse action based partly on report’s contents, and failure to provide pre-adverse action notice to applicant if employer intends to take adverse action based partly on report’s contents, and failure to provide adverse action based partly on report’s contents, and failure to provide adverse action notice 5 business days later that includes a copy of the consumer report and the statutory summary of rights.

Negative information such as: delinquencies, bankruptcies, charge-offs, loan defaults, foreclosures, law suits and judgments, and tax liens are barred from forever appearing on your credit report. The FCRA requires credit reporting agencies to remove most negative information from your credit report after the credit reporting time limit has expired.

The number of identity theft incidents has reached 9.9 million a year, according to the Federal Trade Commission. Every minute about 19 people fall victim to identity theft.

Creditors and debt collectors will procure a person’s credit report without a permissible purpose under the FCRA. We file lawsuits to protect our client’s private and confidential credit information from entities that have no business accessing these credit reports.