Fair Credit Reporting Act

Do you believe that there has been an error on your credit file which has negatively affected your credit score? Has this error caused you to be denied credit? Has it brought on higher interest rates or increased insurance premiums?
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Do you believe that there has been an error in your background information that has caused you to be denied employment or to be terminated from your job?

These errors should not happen. They are clear violations of the Fair Credit Reporting Act (FCRA). You have the right to seek compensation for the damages caused by these credit reporting and background check errors.

Unsurpassed FCRA Experience

Caddell & Chapman has served as lead or co-lead counsel in some of the largest FCRA class actions in history, including:

• a case that recovered $100 million on behalf of consumers whose confidential financial information was used to create and sell “target marketing” lists to advertisers;
• a ground-breaking settlement that changed the way the debts of consumers who have filed for Chapter 7 bankruptcy are reported nationwide; and
• a settlement that will give every adult in the United States the right to view and correct information being collected about them by one of the nation’s largest data brokers.

No matter how big the case, we can help.

Common Credit Reporting Errors

Some of the most common types of errors on credit reports provided by credit reporting agencies—including Experian, Equifax, and TransUnion—is the reporting of debts that are not actually owed or that are owed by someone else. Also common is the reporting of debts older than 7 years, which by law must be removed from your report. You can visit our review site about debt consolidation. If you have experienced inaccurate reports that damage your credit, contact us to investigate.

Criminal Background Check Errors

Many common criminal background check errors involve merged files. This happens when the files of two people with the same name are merged together. If one has a criminal record, it will show up in the other’s background check, regardless of the fact that the two people have different birth dates and Social Security numbers. Caddell & Chapman was co-lead counsel in one of the largest ever class action recoveries involving criminal background checks. For those seeking to clear their criminal record, also called expungement Michigan law requires meeting several important conditions.

Know Your Rights

If you were denied housing or a job based on negative information in your credit report, you have a right to see a copy of that report and dispute the information. If companies willfully fail to comply with these FCRA provisions, you may be entitled to statutory damages of $100-$1,000 per violation.

If it Happened to You, it May Have Happened to Someone Else

At the law firm of Caddell & Chapman, our attorneys have more than a decade of experience handling significant FCRA class actions on a nationwide basis.

When you contact us to review your credit report dispute, we will thoroughly review it whether other people have been impacted as well.

If that is the case, we will pursue a class action lawsuit to seek compensation for everyone who has suffered damages due to the same act of wrongdoing.

Contact us today to discuss your case with an experienced lawyer.