Defendant's Attorney: No Appearance

Description: Fort Lauderdale, Florida Fair Credit Reporting Act violation lawyer represented the Plaintiff.

The Fair Credit Reporting Act (FCRA) is a federal law that protects consumers' personal information and ensures the accuracy of their credit reports. The FCRA governs the actions of consumer reporting agencies (CRAs), which collect and sell consumer credit information, and the parties that use or supply information to these agencies.
Here are some key aspects of the FCRA:

Consumer protections

The FCRA protects consumers' rights and privacy, and requires CRAs to follow reasonable procedures to ensure the accuracy and confidentiality of credit information.

Consumer reporting agencies

The FCRA regulates the actions of CRAs, which include credit bureaus, medical information companies, and tenant screening services.

Consumer reports

The FCRA defines consumer reports as any written, oral, or other communication about a consumer's credit worthiness, character, or other personal characteristics.

Data quality

The FCRA establishes rights for data quality, including the right to access and correct data, and requirements for data security and destruction.

Fraud alerts

Consumers can place a fraud alert on their credit file at no cost. An initial fraud alert lasts one year, and an extended fraud alert lasts seven years.

Active duty military alerts

Active duty military personnel can place an "active duty alert" in their credit report, which requires creditors to take extra steps to verify their identity.

Violations

Violations of the FCRA may result in fines, actual and punitive damages, and attorney fees. Criminal charges may also apply.

Outcome: Settled and dismissed.

Plaintiff's Experts:

Defendant's Experts:

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