Consumer reporting errors affect people who move in-state, change jobs, drive cars, own boats, buy insurance, and relocate. Floridians do all of these things in a big way.
From getting a mortgage to signing a lease on a rental, errors on credit reports and tenant screening reports create housing problems. And whether you’re a Florida original or a recent transplant, Floridians need housing.
With roughly 10 million workers, employment background check errors cause wrongful denials, deactivations, and firings across Florida every day.
From stunning beaches to diverse cities and rural farmland, people bring life to every corner of this state. But more people means more targets. Nearly 150,000 Floridians face identity theft each year.
The 4th largest economy in the nation needs access to credit cards, car loans, rentals, personal loans, and insurance. Wrong credit and insurance data blocks opportunities throughout Florida.
With 6.5 million residents aged 60+, Florida is overflowing with the wisdom that only lived experience can bring. But retirees and seniors face ongoing harm from credit report errors and an increased risk of identity theft.
We are a nationwide consumer protection law firm that helps consumers throughout Florida, including Tampa, Miami, Jacksonville, Orlando, Fort Lauderdale, Key West, St. Augustine, Tallahassee, Pensacola, Gainesville, Naples, Fort Myers, Sarasota, and surrounding communities.
Errors include any information that is inaccurate, incomplete, misleading, duplicate, false, someone else’s, outdated, or unreportable.
You have the right to accurate consumer reports, free from errors.
You have the right to dispute errors and demand corrections. They have an obligation to investigate and fix the mistakes.
If credit bureaus, background check companies, or tenant screening companies ignore or mishandle your dispute, file a lawsuit.
If you suffer financial, career, reputational, emotional, or other harm, you may be able to get compensation.
Wrong accounts, payments, debts, personal info, bankruptcy, deceased status, mixed files and more, lower credit scores and block access to loans, mortgages, credit cards, interest rates, and rentals
Mistakes in criminal records, employment and education data, personal info, professional licensing, driving records and more, cause lost jobs, rentals, insurance, security clearance, and benefits
Errors involving employment and income info, criminal and eviction history, credit and payment data and more, can trigger unfair rental rejections, higher monthly payments, and bigger deposits
Mistakes in accident and claims history, driving and licensing status, property ownership and personal data, and more can lead to insurance denials, increased premiums, and worse rates
Abusive or violent language, threats of arrests or jail time, harassing friends and family, endless calls and contact, public shaming, collecting debts that aren’t yours or you don’t owe and more
Credit card, bank account and loan fraud, unauthorized credit inquiries and transactions, debts in your name, stolen benefits and SSNs, tax refund and medical insurance theft and more
When our client sought discounted auto and home insurance coverage based on his actual credit history and driving record, he was repeatedly denied based on false information that LexisNexis Risk Solutions kept including in insurance background check reports that it sold to various insurance companies.
Our attorneys worked tirelessly to prove the facts of this case within the context of a powerful legal strategy, including showing how the flawed system mis-matched data, incorrectly linking our client’s information with information belonging to his twin brother.
We secured a $120,000 offer of judgment for our client, including attorneys fees. He paid nothing up front or out of pocket, and got his life back.
“Sharing names, addresses, or even genetics, does not give a consumer reporting company the right to mix up your data.”
Civil Case No. 6:24-cv-01488 (M.D. Fla. 2024)
$120,000
Your trial team
Tarek Chami
Managing Attorney
Catherine Tillman
Associate
We Chose You. Our attorneys chose to work for one of the largest consumer reporting practices in the nation. We use our legal resources and experience to help consumers fight corporations…every single day.
Among the rights given to consumers under the Fair Credit Reporting Act are the right to have accurate consumer reports (credit, background, tenant, and insurance), to dispute errors, to receive notice of adverse action, to file a lawsuit if needed, to seek compensation if warranted, and to work with an attorney.
Under the FCRA, consumer reporting agencies like credit bureaus and background check companies typically have 30 days from when a dispute is received to investigate and respond. Under some limited circumstances, they can take up to 45 days.
You have a right to seek compensation under the FCRA. You may be entitled to actual damages for harms suffered (like financial and other losses related to loan, job, housing, and insurance denials), statutory damages, and punitive damages (for willful or reckless violations).
If you work with Consumer Justice Law Firm, it does not cost you anything to speak with an attorney. We offer free case reviews to determine whether you have a viable claim, and if we take your case, you do not pay any money up front or out of pocket. The consumer reporting agency pays our legal bills when we win.
Freeze your credit, place fraud alerts, change passwords, inform banks, credit card companies, lenders, and other account holders, file FTC and police reports, review credit reports and statements, dispute errors. Talk to a lawyer to build a personalized recovery plan and get help identifying evidence, filing disputes, and pursuing legal action or compensation if needed
We help Floridians handle
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