Were you wrongfully denied credit because another creditor put false information on your credit report? Did a creditor threaten to ruin your credit to try to force you to pay them money you didn’t owe? Did a creditor refuse to give the reason you were denied for credit? Is outdated information on your credit report hurting your credit score?
Under the FCRA, you are entitled to only have true, accurate, and current information listed on your credit report. Creditors have an obligation to immediately correct any inaccurate or unverifiable information. When your rights under the FCRA are violated, you are entitled to file a lawsuit against the creditor.
You have the choice to sue for up to $1,000 per violation or for a larger amount if you can prove that an FCRA violation caused you greater financial harm. The creditor is also responsible for your legal fees — you pay nothing no matter how much you recover.
To learn more about defending your FCRA rights in New York, contact Cohen & Mizrahi LLP in Brooklyn or Queens to schedule a consultation.