In today's digital age, companies regularly purchase background reports from third-party companies to evaluate individuals for any number of purposes. These reports, called consumer reports (or sometimes referred to as background reports), can affect your access to employment, loans, credit cards, mortgages, apartment rentals, utility services, and insurance. Thus, your background report is critically important to your financial and personal life.
Unfortunately, background reports often contain erroneous, inaccurate, incomplete, or outdated information. When this happens, the consequences can be devastating, including the denial of loans, credit, or insurance, the loss of a job, or the denial of housing.
The Fair Credit Reporting Act
A federal law called the Fair Credit Reporting Act (FCRA) protects individuals by requiring that the information in their background and credit reports is accurate, and giving them the ability to dispute and correct inaccurate information.
For more information on your rights under the FCRA, click on the links throughout this page.
The FCRA attorneys at Weiner & Sand LLC have extensive experience litigating background and credit report cases and helping individuals correct the information in their background reports.