Mississippi Fair Credit Reporting Act Lawyer

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Let’s talk about credit scores. The results of one free credit report can totally ruin your day.

Did you contact one of the nationwide credit bureaus? Did your consumer report shock you? You wouldn’t be the only one.

Although it seems like creditors and credit reporting agencies can do whatever they want when your credit report is concerned, you have robust protections under the law. The Fair Credit Reporting Act ensures that your credit report is accurate and transparent.

You are not just powerless to take what you are given by these consumer reporting agencies. A Mississippi Fair Credit Reporting Act lawyer can help.

CREDIT REPORTS AFFECT YOUR LIFE

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; these companies do not care. However, they must take notice when you take legal action with an aggressive and experienced credit reporting attorney.

This may not even be your fault. You could be a victim of identity theft or negative information that isn’t even accurate. When you file a lawsuit under the Fair Credit Reporting Act, 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 FROM CREDIT REPORTING AGENCIES

According to the Federal Trade Commission, the Fair Credit Reporting Act (FCRA) governs what can go on consumer reports and how it can be used. You also have the legal right to obtain your credit report from a nationwide credit bureau.

The law recognizes that your credit is often your lifeblood, and any damage to your credit can cause you significant emotional and financial harm. For employment purposes alone, you deserve the assurance that your credit report is accurate.

Here are some of the legal prohibitions and requirements of the FCRA placed on a consumer reporting agency:

  • Furnishing or reporting inaccurate 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 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 compensate you for the anxiety and distress you may suffer from having the credit 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 constantly 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 constantly 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.

The Consumer Credit Protection Act also offers protection to consumers. Be sure to ask your attorney about all the options available to you if you think you are a victim of identity theft

CONTACT A MISSISSIPPI FAIR CREDIT REPORT LAWYER TODAY

You can fight back if you believe that a creditor, company, or credit bureau has violated your legal rights. The fair credit report attorneys at Ware Law Firm take on big companies on behalf of our clients to get justice and financial compensation. 

You can contact us today to schedule a consultation for your potential case. You owe us nothing unless you win your case.

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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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103 3rd Street NW Magee, MS 39111
(601) 439-7079
403 Towne Center Boulevard Building 403C Ridgeland, MS 39157
(601) 439-7079
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