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Credit Card Disputes and the FCRA

Posted by Brett D. Sherman | Aug 04, 2021 | 0 Comments

The FCRA specifically permits consumers to dispute responsibility for fraudulent credit card charges directly to the credit bureaus that are reporting those charges (generally Equifax, Experian, and/or Trans Union). If a consumer's dispute of fraudulent credit card charges is "verified" (meaning that the furnisher and/or CRA has found the reporting to be accurate), the consumer then has a case that is ripe for filing in federal court pursuant to the Fair Credit Reporting Act. 

New York Credit Report Lawyers - Sherman & Ticchio

Posted by Brett D. Sherman | Jul 20, 2021 | 0 Comments

Consumers may (or may not) be surprised to learn that inaccurate information is often re-reported, even after it was deleted. In a very real sense, consumers who “win” the dispute with the credit bureaus are in nearly the same position as those who lose. Both types of consumers have to be wary about applying for credit...

Should I dispute unauthorized hard inquiries?

Posted by Brett D. Sherman | Jul 14, 2021 | 0 Comments

Unauthorized hard inquiries (a/k/a impermissible pulls) on one or more of your credit reports should set off alarm bells in your head. If you find what you believe are unauthorized hard inquiries on a credit report, you should contact a reputable consumer credit law firm to help you (a) decipher your credit reports, (b) dispute unauthorized hard inquiries directly to each credit bureau that is reporting them, and (c) help you to decide whether to place heightened security measures, such as a credit freeze, on your credit file(s). Most good consumer lawyers are members of the National Association of Consumer Advocates or NACA.

Reinsertion in your credit file of previously deleted information

Posted by Brett D. Sherman | Jul 06, 2021 | 0 Comments

Reinsertion can be a serious violation of the Fair Credit Reporting Act.  If you suspect that one or more credit bureaus unlawfully reinserted information into your credit file (if previously disputed and deleted information has reappeared on your credit report(s)), you have the right under the FCRA to again dispute the inaccurate information. A consumer law firm -- Sherman & Ticchio or any other member of the National Association of Consumer Advocates that focuses on credit reporting issues -- can guide you through this process.  

Avoid Credit Repair Shops!

Posted by Brett D. Sherman | Jun 22, 2021 | 0 Comments

Avoid credit repair shops.  Whether it is Sherman & Ticchio or another member of the National Association of Consumer Advocates (NACA), consult with legitimate and reputable consumer attorneys for advice about how to best address your credit problems.

Can you sue after a credit dispute?

Posted by Brett D. Sherman | Jun 15, 2021 | 0 Comments

After completing their respective reasonable investigations, your creditors and the credit bureaus also have separate and independent obligations to correct information that they (a) conclude is inaccurate, AND/OR (b) cannot verify is accurate.

"Consumer Reports" finds errors on 1/3 of credit reports

Posted by Brett D. Sherman | Jun 11, 2021 | 0 Comments

Stay away from credit repair shops and other companies that charge a monthly fee.  Your right under federal law -- the Fair Credit Reporting Act -- is to have an accurate credit report.  To enforce that right, consult with a qualified and experienced consumer litigation attorney, whether our firm or another reputable lawyer.  Most are members of the National Association of Consumer Advocates. 

Accurate credit reports?  It is time to find out.

Posted by Brett D. Sherman | May 07, 2021 | 0 Comments

Imagine how staggering a problem truly is baked into the credit reporting system based on (1) the sheer volume of the complaints received and addressed in 2020 by the CFPB and (2) the fact that just a fraction of the public actually checks their Equifax, Experian, and TransUnion credit reports with any degree of regularity.  There is a lesson you can learn here, and it is this -- Regularly reviewing your credit reports with Equifax, Experian, and TransUnion (something with which we can assist you at no cost) is an essential element of maintaining your financial fitness.

Fraudulent charges on your credit card? Now what?

Posted by Brett D. Sherman | Apr 25, 2021 | 0 Comments

Instead of obtaining that white-glove fraud protection and receiving a fast refund of charges made by an identity thief -- in many cases obviously fraudulent charges -- too many people are told that the bank has conducted a thorough investigation and determined that the consumer either made the allegedly fraudulent charges or authorized them. 

What is a Credit Lawyer anyway?

Posted by Brett D. Sherman | Apr 23, 2021 | 0 Comments

"Credit lawyer" is a short-hand term for an attorney, like the lawyers at Sherman & Ticchio, who guide consumers through the process of disputing inaccurate items on their credit reports or background check reports and, if necessary, file federal lawsuits on behalf of consumers under the Fair Cre...

Davis Wright Tremaine opines on key issues before SCOTUS in Ramirez v. TransUnion

Posted by Brett D. Sherman | Apr 15, 2021 | 0 Comments

Last week, the U.S. Supreme Court heard oral argument on whether and to what extent class members' injuries and standing are relevant to class certification in TransUnion v. Ramirez. The complaint in the district court alleged that TransUnion violated requirements imposed on credit reporting agencies (CRAs) by the Fair Credit Reporting Act (FCRA) in failing to provide consumers with accurate and complete information and a summary of consumer rights.

TRANSUNION WILL ARGUE TO SCOTUS THAT FALSELY IDENTIFYING THOUSANDS AS TERRORISTS CAUSED NO HARM

Posted by Brett D. Sherman | Mar 24, 2021 | 0 Comments

"[A]ccording to TransUnion, if a credit reporting agency labels you a terrorist or drug smuggler – with your mistaken identity lying in wait for someone to ask for it and find out - it's simply a case of “no harm done” unless YOU can prove that TransUnion sold this false information to a third party. (They say that they don't keep accurate records of the businesses to whom they sell this information, so you can't ask them.)"

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Sherman & Ticchio is committed to helping you address your credit reporting and background check reporting issues in New York.

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