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CLIENT SUCCESS STORIES
Rex and his team did an outstanding job of fact finding and info gathering to be presented at trial. Very dedicated & determined to help us! We would highly recommend his services!
Lawrence E. Griswold
Mr. Anderson did a phenomenal job representing my husband and I. He made an intimidating process much easier and more approachable by answering all of our questions and advising us on how to proceed in each step of our case. I would recommend Rex Anderson, PC to anyone who requires representation and wants to be treated like a person, rather than just the next case.
Anne Marie Carrier
Credit Repair Litigation
Fair Credit Reporting Act (FCRA)
The Fair Credit Reporting Act (FCRA) was designed to protect consumers from many credit-related issues, including inaccurate reporting of credit information, unauthorized or unlawful disclosure of credit reports, as well as identity theft and fraudulent charges on your credit card.
Credit reporting errors often means serious problems for your future. Not only does your credit score play a part in credit card or loan approval, it affects your insurance rates, employment and where you can live. Credit bureaus make mistakes all the time by reporting information that is not yours, incorrect balances of debt owed or by reporting debts already paid or discharged in bankruptcy. Failure to remove this information after you provide written notice to the credit bureau violates the FCRA, and we can sue on your behalf to correct these errors.
The FCRA requires credit bureaus such as Equifax, Experian, and TransUnion (CRAs) to perform “reasonable reinvestigation” when it receives a consumer dispute and to correct inaccurate or incomplete information. If the CRAs do not remove or correct false information, then contact me immediately at 810-653-3300 or email me at email@example.com and we will handle it.
Protecting You From Unauthorized Disclosures of Credit Reports
Unless a company or a person has a permissible purpose, they are not allowed to obtain a copy of your credit report. A permissible purpose comes about when you have applied for credit or owe a certain amount of debt. If your credit report has been distributed to unauthorized parties, you may have grounds for a lawsuit. In order to protect and understand your rights, it is important to retain the services of a highly knowledgeable credit report and privacy issues lawyer.
Anyone Can Fall Prey to Identity Theft
Identity theft is a traumatic experience that can leave you with time-consuming burdens and substantial financial losses. With advances in technology, these cases have been on the rise. Unlawful disclosure of credit reports, e-mail scams, and the interception of bank statements and credit card offers are several ways others can obtain your personal information. If a credit card has been opened in your name or money has been stolen from your bank accounts, you should retain legal representation right away.
Take the Following Steps to Stop the Use of Your Personal Identity
Call attorney Rex Anderson now at 810 653-3300.
Credit card fraud and other forms of identity theft can have an immediate adverse effect on your life. It is important to take proactive steps to help limit the damage that comes with this crime.
You will need to take the following steps:
Obtain your most recent Credit Reports. To do this, goto www.annualcreditreport.com and request a report from all three Credit Bureaus (Experian, Equifax, and Transunion). This will be free if it has been more than a year since you last obtained a free report. If you are unable to obtain any of these reports on the website for some reason, you can request them via telephone by calling 877-322-8228.
Review your credit reports to identify accounts that resulted from the identity theft.
File a Police Report. Make sure the report references the particular account at issue and explain that you believe it results from identity theft.
File a Complaint with the FTC – Go here ftccomplaintassistant.gov and select the identity theft category.
Execute the Identity Theft Affidavit that is attached. Be as detailed as possible and make sure that you reference all of the accounts at issue.
Draft a Dispute Letter to each of the Credit Bureaus asking them to block any reporting of the identity theft accounts and to place a Fraud Alert on your file.
A sample letter is attached.Make copies of the dispute letters for your own records.
Mail the Dispute Letters to the Credit Bureaus via Certified Mail Return Receipt Requested. This means that you will get confirmation when your letters are received.
The Credit Bureau addresses are:
Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA, 30374
TransUnion Consumer Solution
P.O. Box 2000
Chester, PA 19022-2000
Experian Information Services, LLC – NCAC
701 Experian Parkway
Allen, Texas 75013
Make sure that the you include copies of your police report, identity theft affidavit, and driver’s license with your dispute letter. Keep the originals in your own records. Don’t throw anything away!
When you receive the return receipts from the postal service, make a copy for your records.Give me a call when the Credit Bureaus respond to your letters or if they fail to respond.Keep copies of everything you send to the credit bureaus and creditors and all communications from them. There are a number of credit reporting issues that may arise in these cases and you need to protect your rights.
9459 Lapeer Rd #101
Davison, Michigan 48423
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