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Los Angeles FCRA Lawyer

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he Fair Credit Reporting Act (FCRA) was initially created to ensure that American consumers have access to their credit profiles and associated credit scores. However, inaccurate information and unlawful reporting processes often hinder consumers from bettering their scores and accessing the kind of purchasing power they desire. Most don’t even realize their rights when it comes to the FCRA. This is why working with a skilled Los Angeles FCRA attorney, like Blackstone Law, can be beneficial as we can advocate on your behalf when it comes to FCRA issues. 

This is a highly technical area of law that deals with FCRA issues and employment background checks. Your credit is far too essential to leave in the hands of inexperienced legal professionals. As such, our clients know that when we go to bat for them, their chances of an optimal outcome are high.

What is the FCRA, and Why Is It Important?

The Fair Credit Reporting Act (FCRA) is a federal law passed to ensure the accuracy, privacy, and fairness of the information in your consumer credit bureau file. The law is meant to regulate the extent to which those agencies reporting on credit can collect, use, access and share the data found on consumer credit reports. 

It is essential because it helps you to know what actions are being taken regarding the information found in your credit profile. Numerous organization types might access your credit information, including banks, credit unions and retailers. This information is now commonly used to gauge your worthiness as an employee. The last thing you want to happen is losing an employment opportunity due to inaccurate information on your credit report or other FCRA violations.

Employers Must Request and Receive Consent to Check Your Credit

Suppose an employer plans to use the information found in your credit profile as a condition of employment or make employment decisions. In that case, the employer has to disclose this information to you before taking any action. 

Once this information has been disclosed, the employer needs your written authorization to pull your credit report from a reporting agency or background check company. The company must disclose what information they will access and how it will be used in writing.

Companies Must Follow Proper Notification Guidelines When Taking Adverse Action

If an employer takes adverse action against you based on the information found in your report, there is a specific notification process to be followed based on the FCRA. Before acting on the information found, the employer must provide you with a pre-adverse action notice. This notice should include a copy of the information used from the report and a summary of your rights as provided by the FCRA. 

After a waiting period, the employer must issue an Adverse Action Notice, which includes information required by the FCRA law. Failing to follow this two-step process can result in significant fines to the employer in question.

How a Los Angeles FCRA Attorney May be Able to Help

Suppose an employer has failed to follow the appropriate steps outlined in the FCRA regarding use of  your credit profile for your employment. In that case, you may be eligible for damages. Companies cannot arbitrarily access your credit information without your consent and full disclosure of how they plan to use the information. Moreover, they cannot skip steps in the notification process. 

As a knowledgeable Los Angeles FCRA law firm, we have helped our clients recoup damages when mistreated by employers who did not follow FCRA rules and requirements. We will start with a comprehensive case review to determine the viability of your claim. Then, we will move forward with a robust approach that ensures you get justice for your situation. The FCRA is meant to protect consumers, and we will fight on your behalf if an employer does not follow the law where your credit profile is concerned.

Set Up An Appointment for a Complimentary Case Review with a Reliable Los Angeles FCRA Lawyer

If you’ve been victimized by false credit reporting or discrepancies that violate your consumer rights, you may have a viable claim. It is crucial to address this issue as soon as possible, as you may not get a job or home based on credit reporting. This is to say nothing of the extent to which erroneous information can mitigate your purchasing power in general. As a top Los Angeles FCRA law firm, Blackstone Law is well-versed in credit-related legal issues and can help you to address challenges in this area adequately. 

To learn more about how we may be able to assist you with FCRA issues, reach out to us at (310) 956-4054 or contact us online to schedule a free consultation.

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