Fair Credit Reporting Act

In response to abuses by credit bureaus, creditors and lenders, Congress enacted the Fair Credit Reporting Act (FCRA). This law ensures the accuracy of information on credit reports and provides a way for consumers to contest inaccurate credit information.

The Law Office of Paul Mankin is one of the premier law firms in California protecting the rights of consumers under FCRA and other laws. We provide useful advice for our clients — and results-oriented representation in litigation involving FCRA violations.

For a free consultation and credit report analysis, call us at 800-654-9517.

Your Rights Under FCRA

The Fair Credit Reporting Act has several important provisions that protect the rights of consumers. The act:

  • Imposes a duty on credit bureaus and those who provide information to credit bureaus to include accurate information on credit reports
  • Requires credit bureaus to investigate and correct inaccurate credit information
  • Requires credit bureaus to provide a free credit report once a year, on request
  • Protects victims of identity theft by requiring credit bureaus to remove inaccurate information resulting from the theft

If a credit bureau places information on a report it knows to be inaccurate, a consumer can claim up to $1,000 for each willful violation, plus attorney fees and legal costs. People who have suffered actual financial losses can claim the full amount of those losses, and in some cases, punitive damages can be awarded.

How We Can Help

Attorney Paul Mankin offers free initial consultations regarding credit report problems and disputes. Paul can review your situation, provide a free credit report analysis and explain your legal options. He can also provide you with a letter you can send to credit bureaus requesting that they remove inaccurate information.

If a credit bureau has willfully included false information or refused to remove it after being informed that it is false, our firm can represent you at no charge. We will seek full compensation for you, plus the removal of the inaccurate information.

Free Consultation — Contact An Experienced Lawyer Today

Contact the Law Office of Paul Mankin at 800-654-9517 for a free consultation and credit report analysis. We represent consumers throughout California from our offices in the San Diego area and Beverly Hills.