Companies that Destroy Your Credit Should Pay, Not You

Most lawyers on the internet make their clients pay for clearing up their own credit, not our firm. If you have been unable to reach a resolution with Experian, Trans Union or Equifax because they are  unwilling to listen, we can help without costing you a monthly fee.

Under the Fair Credit Reporting Act, a consumer may seek a maximum of $1000 in statutory damages, plus actual damages, punitive damages and reasonable attorney's fees and costs for willful noncompliance with the Act. We can assist consumers in filing suit for these rights in state or federal court.

Numerous Types of Companies and Employers are Subject to the Fair Credit Reporting Act

Most persons, and attorneys alike, believe that credit reporting agencies such as Equifax, Experian, and Trans Union are the only entities that must comply with the Fair Credit Reporting Act; not sot. Employers that use this sort of information without proper disclosure to their employees can be held liable for their actions. In fact, before using the consumer report to make an adverse decision, employers must provide written information to the individual.  Additionally, after using the consumer report, employers must provide written explanation to the individual.

A failure to comply with these obligations can subject employers who use background information as the basis for a termination or refusing to hire or promote an employee to liability under the FCRA and the new Fair and Accurate Credit Transactions Act of 2003 which went into effect on December 31, 2003.

In addition to the liability of employers, if the commercial service that has infringed upon your rights regularly provides information to others, the agency is a consumer reporting agency and the information it collects from public record sources and maintains in its computerized files is subject to the FCRA.

Based on these basic principals, entities such as Lexis, Westlaw, ChoicePoint and eFunds (the owner of ChexSystems) can be held liable under the Fair Credit Reporting Act.  If you believe one of these entities has unfairly harmed your credit or published false information about you, please call us immediately.

Our Law Firm Can Assist with Your Credit Reporting Problems or Wrongful Use of Your Report

The Fair Credit reporting laws (without citations to relevant case law) are published on the internet at http://www.credit.com/credit_information/credit_law/The-Fair-Credit-Reporting-Act.jsp,  and are quite complex.  The case law interpreting these laws is even more difficult to digest.  Our fair credit reporting lawyers not only provide experienced legal guidance, but they are also litigate fair credit issues for our clients. 

If you would like to discuss your unfair credit reporting issues, please contact our lawyers at Massey & Duffy, PLLC, located in Gainesville, Florida, for a free consultation. We can advise you on the best course of action that is best for your personal situation and restore your credit as quickly as possible.

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