Jaffer Law Firm Blog
Jaffer Law Firm Blog
Navigating FCRA Claims: Credit Denials, Dispute Investigations, and Potential Remedies
Introduction The Fair Credit Reporting Act (FCRA) sets the legal framework for credit reporting in the United States. Within this framework, a complex scenario can arise when a credit denial occurs before the completion of a dispute investigation by the credit reporting agencies (CRAs) and the furnisher. This article explores the legal considerations, potential claims,…
FCRA Damages and Credit Denials Before Credit Bureaus Complete their Dispute Investigation
Section 1681i(a) – Credit Reporting Agencies (CRAs) Section 1681i(a) of the FCRA addresses the responsibilities of CRAs to conduct a reasonable investigation when a consumer disputes information on their credit report. If the credit denial occurred before the investigation was completed and was directly related to inaccurate information on the credit report, a claim under…
LVNV Funding LLC Suing Me in Texas
How a Debt Lawsuit Defense Attorney Can Help You Against LVNV Funding LLC Lawsuit in Texas LVNV Funding is a debt buying company that purchases old, charged-off debts from credit card companies, banks, and other creditors. Once LVNV Funding acquires these debts, they will attempt to collect the debt from the consumer or take legal…
What are FCRA Requirements?
The Fair Credit Reporting Act (FCRA) was enacted to ensure the accuracy, fairness, and privacy of consumer credit information. Under the FCRA, both consumer reporting agencies and furnishers of information have specific requirements to follow. In this article, we will explore the requirements of the FCRA for consumer reporting agencies and furnishers and the remedies…
How Long Can You be Sued for a Debt in Texas
If you owe a debt in Texas, you may be wondering how long the creditor has to sue you for the debt. The answer depends on several factors, including the type of debt and the statute of limitations. What is the Statute of Limitations for Debt Collection in Texas? The statute of limitations for debt…
How to Dispute Credit Report Errors
Your credit report is an important document that reflects your financial history and current credit standing. Credit reporting agencies, such as Equifax, TransUnion, and Experian, collect and maintain this information, which is used by lenders, employers, and other entities to make important decisions about your creditworthiness. However, errors can occur on your credit report, and…