The Fair Credit Reporting Act that regulates consumer credit information. In our world today, buying a certain car or home, qualifying for a certain rate, or almost anything else relies on a certain credit score. Unfortunately, so much is placed on this number.

Therefore, is it fair that an agency who knows nothing of you personally has the power to report an inaccurate or false report of your credit?

A study released by the Public Research Interest Group in 2004 reported that a whopping almost 79% of credit reports surveyed contained some kind of mistake.

However, fear not: under § 616 of the Act, (15 U.S.C. § 1681(n)), a consumer may recover either actual damages or a minimum of $100 and a maximum of $1000 plus punitive damages and reasonable attorney's fees and costs for willful noncompliance with the Act. This means that there is an avenue to combat this if you do happen to be a victim of and are found to have violations within the Fair Credit Reporting Act.

The Esquire Law Center takes these and all other violations seriously. Not only are we well-versed in bankruptcy, but also other areas of consumer law that may have a grave affect on you. Not only will we help you with bankruptcy, we will also make sure you get the true “fresh start” that you deserve by making sure your rights under the Fair Credit Reporting Act are complied with.