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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. 

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. 

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