Mississippi Fair Credit Reporting Act Lawyer

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Although it seems like creditors and the credit bureaus seem like they can do whatever they want when your credit report is concerned, you have robust protections under the law. The Fair Credit Reporting Act is intended to ensure that your credit report is accurate and transparent. You are not just powerless to take what you are given. You can fight back if creditors break the law.

Large companies often do not respect individual consumers and their rights. You can try to explain, persuade, cajole and even beg, and these companies do not care. However, they must take notice when you take legal action with an aggressive and experienced attorney. When you file a lawsuit, you can not only have your voice heard, but you can also get financial compensation when the defendant has broken the law.

How the Fair Credit Reporting Act Protects You

The FCRA governs what can go on your credit report and how it can be used. You also have the legal right to obtain your credit report from the three major bureaus. The law recognizes that your credit is often your lifeblood, and any damage to your credit can cause you significant emotional and financial harm.

Here are some of the legal prohibitions and requirements of the FCRA:

  • Furnishing or reporting old information
  • Furnishing or reporting wrong information (for example, either the amount of the debt or that you did not pay on time)
  • Failure to file the necessary legal procedures when you are disputing a debt
  • Violating your privacy by releasing your credit information to entities that did not have a legal right to it
  • Someone else requests your credit report for an impermissible purpose
  • A credit bureau fails to give you notices required by law
  • Mixing up your information with that of someone else

Who Can Be Sued Under the FCRA

FCRA lawsuits are either filed individually or on a class action basis. Some individual plaintiffs have recovered thousands of dollars when creditors or credit bureaus have violated their legal rights.

Here are examples of different defendants who have been sued for allegedly violating the FCRA:

  • Creditors who have pulled credit reports without a legitimate business need
  • Employers who pull your credit report without your permission
  • Credit bureaus who do not allow you the appropriate chance to dispute information on your credit report
  • Creditors who wrongfully report accounts as unpaid or late

Your Damages in an FCRA Case

The damages that you can receive under the FCRA reflect what you may go through when your credit has been unfairly damaged or misused. FCRA damages include:

  • Economic damages that reflect the actual value of the harm to you. For example, you could be denied a loan because of wrong information and incur costs because you had expected to receive the loan.
  • Non-economic damages that compensate you for the anxiety and distress that you may suffer from having the credit that you have worked so hard to build ruined by an illegal act.
  • Statutory damages of up to $1,000 per violation

Depending on the violation, you may even be awarded punitive damages. Courts may try to send a message to the defendant when their conduct is particularly awful.

Why You Need a Mississippi Fair Credit Reporting Act Lawyer

FCRA law is always changing. The Supreme Court often decides cases that set new precedents. In addition, you are suing large companies in FCRA cases that have expensive lawyers whose job is to defeat your lawsuit and extinguish your legal rights. In addition, the ways that companies do business are always evolving, along with the different threats to your credit. You need an experienced FCRA attorney who knows how to take the fight to large companies.

Contact a Mississippi Fair Credit Reporting Act Lawyer Today

If you believe that a creditor, company, or credit bureau has violated your legal rights, you can fight back. The attorneys at Ware Law Firm take on big companies on behalf of our clients to get justice and financial compensation. To schedule a consultation for your potential case, you can contact us today. You owe us nothing unless you win your case.

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What Our Clients Say
Christopher Graves
I think reviews from consumer are important; yet, reviews from other attorneys are just as important, in my opinion. Lawyers know the level of integrity, skill, and value-added of their colleagues. With that being said, Daniel Ware can be summed up in sentence: Daniel Ware is your favorite lawyer's favorite lawyer. If I had a civil, criminal, or bankruptcy matter, Daniel would the lawyer I would call.
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Mr. Ware is a very dependable and committed lawyer. He kept me in the loop of what was going on and most importantly he never stopped fighting for my case. That old saying 'He was A-1 from Day-1." Thanks Mr Ware.
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Daniel Ware is an amazing lawyer; very professional and committed. This has been stated over and over again in the reviews. However, he's more than that. Intelligent, compassionate and empathetic you can trust your concerns will be handled. I could go on, but the fact is I'd trust no one else for my affairs. The Ware Law Firm is all I needed.
Frequently Asked Questions
Let’s Face It — You Have Questions.
Can I sue a credit bureau for a data breach?

Most likely not. If someone hacked and stole your information, the credit bureau did not furnish it. You may still get legal relief under other laws.

What would happen if my identity was stolen?

Credit bureaus must block reporting of any information on your credit report that you allege has resulted from identity theft.

Why should I take legal action against a creditor?

Not only do you want your credit fixed, but you can also get justice when someone attacks what is most important to you – your good name and your credit.

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216 1st Ave NE Magee, MS 39111
(601) 439-7079
403 Towne Center Boulevard Building 403C Ridgeland, MS 39157
(601) 439-7079