Practical guides on FCRA, FDCPA, and TCPA rights under Florida consumer protection law.
10 articles tagged “FCRA”
A hard inquiry sits on your credit report for up to two years and costs fewer than five points. If you never applied, the points are not the problem: an unauthorized credit pull violates the FCRA and you can sue over it.
A data breach exposes your personal data to strangers, and what happens next matters more than the notice itself. This guide explains what a breach is and what Florida law lets you do if it leads to fraud, robocalls, or collector harassment.
Zombie debt is an old, charged-off account sold to a new collector. Florida and federal law limit what that collector can say and do, and one wrong move can revive a debt that should stay dead. Here is what to know before you respond.
Someone opened an account in your name and it is now on your credit report. Federal law gives the credit bureaus four business days to block it once you send the right documents, and failing to do so can entitle you to damages.
Lost a job in Florida over a background check that reported the wrong record or an old, dismissed case? Under the FCRA, screening companies must report accurately, and you can dispute errors and sue for damages and attorney's fees. Here is how.
Found a collection account on your credit report that is not yours, already paid, or just wrong? Under the FCRA, an inaccurate collection the bureaus refuse to fix after a proper dispute can be a violation with real money damages. Here is how to act.
Most people try to fix credit report errors themselves — and most of the time, the dispute process fails them. The Fair Credit Reporting Act gives Florida consumers the right to take legal action when bureaus and furnishers refuse to correct inaccurate information. Here is how that works, who qualifies, and what an FCRA attorney actually does.
Are debt collectors breaking the law? This complete FDCPA violations list covers harassment, threats, false statements, unfair practices, and illegal contact methods. Learn what counts as a violation and how to sue for up to $1,000 per call.
Getting illegal robocalls? You can sue under the TCPA for $500 to $1,500 per call. Learn what counts as a robocall violation, how to document calls, and how to take legal action in Florida—even if you don't have a lawyer.
Debt collectors who harass you are violating federal law. Learn what counts as harassment under the FDCPA, the 777 rule that limits collection calls, what proof collectors must provide, and how to sue for up to $1,000 plus damages in Florida.
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