FCRA Attorney
PZ Law Group is a consumer protection law firm dedicated to advocating for individuals under the Fair Credit Reporting Act (FCRA). We specialize in helping clients correct inaccuracies on their credit reports, stop unfair or abusive reporting practices, and hold credit bureaus, furnishers, and debt collectors accountable when they violate federal consumer protection laws. Whether you’re facing identity theft, mixed credit files, or wrongful background report errors, our experienced attorneys work to protect your rights and pursue the compensation you deserve.
The Fair Credit Reporting Act
The Fair Credit Reporting Act (FCRA) is a federal law designed to ensure the accuracy, fairness, and privacy of information in consumer credit reports. It provides consumers with the right to review their credit reports, dispute incorrect or outdated information, and be notified when their credit history is used to make important decisions—such as for credit, employment, housing, or insurance.
At PZ Law Group, we specialize in helping clients navigate the FCRA to correct errors, outdated information, and fraudulent activity on their credit reports. Whether you’ve been affected by identity theft, mixed credit files, or inaccurate reporting from creditors or background check companies, our attorneys work aggressively to:
Dispute and remove inaccurate items
Hold credit bureaus and furnishers accountable
Ensure your credit report reflects truthful and up-to-date information
Pursue compensation if your rights under the FCRA are violated
Our goal is to protect your credit, your reputation, and your financial future—one corrected report at a time.
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Understanding the Fair Credit Reporting Act (FCRA) & How PZ Law Group Can Help You – FOR FREE
What Is the Fair Credit Reporting Act (FCRA)?
The Fair Credit Reporting Act (FCRA) is a landmark federal law that protects consumers from unfair, inaccurate, or outdated information being reported in their credit histories. Enacted in 1970 and enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB), the FCRA is designed to ensure the integrity, accuracy, and privacy of the information collected by consumer reporting agencies.
Under the FCRA, you have the right to:
Access a free copy of your credit report from each of the three major bureaus (Equifax, Experian, and TransUnion) once every 12 months
Dispute inaccurate or incomplete information on your credit report
Be informed when your credit report is used to deny you credit, employment, insurance, or housing
Limit who can access your credit report
Seek damages if your rights are violated
How Credit Report Inaccuracies Hurt Consumers
Inaccurate credit reporting is more common than you might think—and the consequences can be severe. Errors on your credit report can include:
Accounts that don’t belong to you (often due to identity theft or mixed credit files)
Outdated negative items like paid collections or discharged bankruptcies
Incorrect balances, payment histories, or account statuses
Duplicate listings of the same debt
Employment or address errors on background reports
Even a single inaccurate item can lower your credit score, making it more difficult to:
Get approved for loans or credit cards
Qualify for a mortgage or rental housing
Secure employment, especially where credit background checks are involved
Obtain affordable insurance rates
These errors can cost you thousands in higher interest rates or lost opportunities—and in some cases, they can damage your reputation.
Failing to Investigate Your Claim
If you report inaccurate information and file a credit dispute, the credit bureaus must investigate it. Unless they can verify the information they listed in your report, they’re required to correct it within 30 days. Violations can include:
- Failing to report any account listed as identity theft
- Failing to notify creditors about your error report
- Failing to delete incorrect information in a timely manner
Filing Claims for FCRA Violations
The law is on your side when an error on your credit reports causes harm. The FCRA is on the books to help protect you, so use it to your advantage to ensure the major bureaus are reporting accurately. If you’re looking for credit repair solutions, you should also consider consulting with an experienced credit repair attorney who can help you decide which options work best for your situation.
How PZ Law Group Can Help—At No Cost to You
At PZ Law Group, we fight for consumers whose rights under the FCRA have been violated. If you’ve spotted inaccurate or fraudulent information on your credit report, we’re here to help you take immediate action—and we do it for free.
Here’s what we do:
Free Case Evaluation: We review your credit report and assess whether your rights have been violated under the FCRA.
Dispute Management: We help prepare and submit formal disputes to credit bureaus and furnishers (the companies reporting the information).
Legal Action: If credit bureaus or creditors fail to correct inaccurate information or violate your rights, we’ll pursue legal action on your behalf—at no cost to you.
No Fees, Ever: The FCRA allows us to collect attorney’s fees directly from the violating party, so you never pay out-of-pocket.
Whether you’re facing a single error or multiple issues across several reports, our team is ready to defend your credit—and your future.
Why Choose PZ Law Group?
✔ Specialized Experience: We focus exclusively on consumer protection and FCRA claims.
✔ Aggressive Representation: We don’t back down from the credit bureaus or large corporations.
✔ No Upfront Cost: We only get paid if we win your case.
✔ Personalized Support: We treat every case with the care and attention it deserves.
Schedule A Free Consultation With South Florida’s Experienced FCRA Attorney
If your credit report contains errors or you’ve been harmed by inaccurate or unfair reporting, the Fair Credit Reporting Act (FCRA) gives you the right to dispute and correct that information. At PZ Law Group, we help consumers hold credit bureaus and furnishers accountable when they violate the law. Whether it’s a reporting mistake, unauthorized access, or failure to investigate a dispute, we’re here to protect your credit and your rights.
Contact us today for a free consultation—let’s make your credit right.