Fight Back Against Credit Reporting Errors
Trusted Legal Help for Credit Report and Background Check Mistakes in Florida
Have you discovered serious mistakes on your credit report that are affecting your ability to rent, get a loan, or secure a job? If so, you’re not alone—and you may have legal options. Jaffer Law is a leading consumer protection law firm helping clients across Florida assert their rights under the Fair Credit Reporting Act (FCRA).
We sue credit bureaus and furnishers—including Experian, Equifax, TransUnion, and your creditors—for reporting inaccurate information. Our Florida FCRA attorneys fight to correct the damage and get you compensation.
Call us today for a free case review and let’s fix your credit the right way.
What Is the FCRA?
The Fair Credit Reporting Act (FCRA) is a federal law that regulates how consumer reporting agencies collect, share, and use your personal credit and background information. It gives you the right to:
- Receive accurate credit reports
- Dispute errors
- Have incorrect data corrected or deleted
- Seek financial compensation when your rights are violated
Violators can be held responsible for statutory damages, actual losses, attorneys’ fees, and punitive damages in some cases.
Common FCRA Violations We Handle in Florida
At Jaffer Law, we specialize in identifying and litigating violations under the FCRA. Here are just a few of the most common types of cases we see from our Florida clients:
1. Mixed Credit Files
Your name or Social Security number is similar to someone else’s, and their accounts are showing up on your credit report.
2. Identity Theft and Fraudulent Accounts
A criminal or third party has opened accounts in your name, and credit bureaus refuse to remove them—even after you provide police and FTC reports.
3. Falsely Reported as Deceased
Creditors or bureaus have mistakenly marked you as deceased, blocking you from financial services or employment background checks.
4. Re-Reporting of Deleted Accounts
An item that was removed shows back up on your report without a valid reason, violating your right to a permanently corrected file.
5. Employment Background Check Errors
You lose a job or are denied employment due to outdated or incorrect criminal or credit history provided by screening companies like Checkr, First Advantage, or Accurate Background.
6. Failure to Investigate Disputes
You dispute an item and provide supporting documents, but the credit bureau refuses to investigate or contacts no one.
Florida Cities We Serve
Jaffer Law helps clients throughout Florida, including:
- Miami
- Orlando
- Tampa
- Jacksonville
- Fort Lauderdale
- Tallahassee
- St. Petersburg
- Hialeah
- Gainesville
- Sarasota
No matter where you live in Florida, our FCRA attorneys are ready to help.
What Can You Sue For Under the FCRA?
If you’ve disputed inaccurate information and the problem hasn’t been fixed, you may have a valid FCRA claim. You can sue for:
- Emotional distress
- Lost job or housing opportunities
- Denial of credit
- Loss of insurance coverage
- Financial harm from increased interest rates
- Damage to your reputation
Our team has secured settlements and court victories across the country for victims just like you.
How the Legal Process Works
1. Free Consultation
You’ll speak with a trained attorney who will review your case and advise you of your options.
2. We Pull the Reports
We order and review your reports from Equifax, Experian, and TransUnion, along with background check companies if needed.
3. Dispute and Documentation
We prepare a strong dispute letter and evidence package to trigger the credit bureau’s duty to investigate.
4. Litigation If Needed
If your dispute is ignored or mishandled, we file a federal lawsuit against the credit bureau or furnisher responsible.
5. Compensation and Resolution
We fight to get the inaccurate data fixed and obtain financial compensation for the harm you suffered.
Why Choose Jaffer Law as Your Florida FCRA Attorney?
- Nationwide Recognition, Local Focus: We serve clients nationwide but have deep experience in Florida-specific credit issues and courts.
- Dedicated to FCRA Litigation: Unlike general practice firms, we focus almost exclusively on credit reporting and background check cases.
- We Sue the Big Guys: We regularly file suit against Equifax, TransUnion, Experian, and companies like Bank of America, Capital One, and Wells Fargo.
- No Upfront Fees: You pay nothing unless we win your case.
- Personalized, Responsive Service: You’ll work directly with attorneys and paralegals who care about your story.
Client Success Stories from Florida
Case Example: Miami
A Miami resident was denied a mortgage due to fraudulent accounts that Experian refused to remove, despite police reports. We sued and secured a five-figure settlement and full deletion of the accounts.
Case Example: Orlando
An Orlando client had his credit tanked due to a mixed file issue with TransUnion. He couldn’t buy a car. We fought and resolved the case in under 90 days—with compensation.
What to Do If You Spot Errors
- Get your reports – Visit annualcreditreport.com and request all three bureaus’ reports.
- Highlight the errors – Mark accounts, balances, dates, or inquiries that are wrong.
- Send disputes in writing – Email or upload isn’t enough. Send a physical letter with proof.
- Save everything – Keep copies of your report, disputes, certified mail receipts, and responses.
- Call Jaffer Law – We’ll take it from there.
Statute of Limitations in Florida
You typically have 2 years from the date you discovered the violation or 5 years from the date it occurred to file an FCRA lawsuit. Time is critical, so don’t wait to take action.
Florida FCRA FAQs
What if the credit bureau says I’m not a victim?
They don’t get to make that decision unilaterally. If you provide credible documents and they still refuse to act, they may be liable.
Can I sue if I lost a job due to background check errors?
Yes, under both the FCRA and sometimes state law. Employers and screening companies have strict duties under the law.
Do I need to pay upfront?
No. We work on a contingency fee basis. You don’t pay unless we win or settle your case.
Is this a scam?
Absolutely not. The Fair Credit Reporting Act is a powerful consumer protection law. Filing a lawsuit for legitimate violations is your legal right.
Contact a Florida FCRA Lawyer Today
If you’ve been wronged by credit bureaus or background check companies, you don’t have to stay silent. At Jaffer Law, we hold them accountable—and we get results.
Call us now or fill out our secure online form to schedule your free case evaluation.