Consumer Protection

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The Fair Credit Reporting Act: How it Aligns with Consumer Protection

The Fair Credit Reporting Act (FCRA) was enacted to ensure the privacy and fairness of consumer information in credit bureau files. The FCRA protects you by giving you access to information in your credit file, the ability to request access to all information that a consumer reporting agency has about you, and the right to freeze your credit report and keep you informed on other credit-related issues. As a consumer, you have rights under the FCRA, including: 

  • The right to know if any information is being used against you 
  • The right to request any personal information found in the files of a consumer reporting agency 
  • The right to ask a consumer reporting agency about your credit score
  • The right to dispute any information that is inaccurate or incomplete 
  • The right to seek damages from a consumer reporting agency that violates the FCRA

So, how does the FCRA align with consumer protection laws? Consumer protection laws were established to discourage businesses from engaging in fraudulent behavior or other unfair/deceptive practices. Our consumer attorneys are constantly monitoring changes in consumer law to develop cutting-edge legal strategies to ensure the successful resolution of our clients’ consumer issues. Consumer issues regularly encountered by our clients include the following:

  • Credit Reporting Errors
  • Improper Employment or Housing Background Checks
  • Identity Theft
  • Telemarketing Harassment
  • Bankruptcy Related Consumer Issues
  • Data Breaches

Enforcing consumer protection laws requires companies to disclose detailed information about products, provide rental agreements and contracts while traveling, and keep you safe from identity theft while using your credit and debit cards. 

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What Would be Considered a Violation of Consumer Protection Laws?

In the United States, there are state and federal laws designed to protect you as the consumer from companies that could take advantage of you. And while we like to believe that these regulations are followed, that’s not always the case.  

Businesses and corporations aren’t above cutting corners in order to maximize their profits and, in doing so, violating consumer protection by:  

  • Selling and marketing products that consumers are led to believe are safe but aren’t. 
  • Keeping product information away from the consumer or providing inaccurate information about a product. 
  • Hindering consumers to choose between competing goods and services. 
  • Trying to stop a consumer from reporting inconsistencies or malfunctions with a product or service. 
  • Not protecting the bank or card information of the consumer. 
  • Providing rental and contractual agreements for travelers and then going back on those agreements. 

What Happens if My Rights are Violated Under Consumer Protection Laws?

Proceeding with a consumer complaint against the business, corporation, or retailer who has caused the problem is a good place to start. If you have tried to make a complaint and have been brushed off, filing a formal complaint with the appropriate government agency or consumer organization is the next step. 

Should I Hire a Consumer Protection Lawyer?

It can be hard to know what to do if your rights have been violated, especially since there are different nuances to each consumer law and violation. Depending on how you’ve been wronged, finding the right attorney can seem like a daunting task. At Mizrahi Kroub, we’re experienced in the legal process that helps many consumers seek justice and compensation. 

Our attorneys have successfully protected the rights of over 5,000 consumers under the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, the Fair Credit Billing Act, and the Truth in Lending Act. Let us help you next.

"I always had such a great experience when working with this group. Joey is super knowledgeable and helpful. He made sure to be very thorough and professional. Definitely recommend!!!"

-Renee M.

"Rare to find a firm so dedicated to their client. I felt heard and represented. Appreciated their patience and advice. Would highly recommend."

-Lily S.

"I was very pleased with this firm's services. Joseph and Ed were professional and knowledgeable and not only helped me resolve my legal issues, but were patient with me and made sure i understood what was transpiring every step of the way. I highly recommend them and their team."

-Michael G.

"Mr. Mizrahi definitely provides top quality service. He really goes out of his way for his clients. He was always available to answer all my questions. It was a pleasure working with him. I highly recommend Mr. Mizrahi."

-Michael J.

"Were extremely patient and kind. They make you feel comfortable asking any question and make you feel taken care of. I would highly recommend!"

-Jacob S.

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