FCRA Violations

Are Errors on Your Credit Report Causing You Stress and Financial Hardship?

Every consumer has a right to fair and accurate credit reporting. That right is protected by the Fair Credit Reporting Act (FCRA), a critical federal law.

However, when credit bureaus (Experian, Equifax, TransUnion) or the companies that supply them with information (furnishers) fail to comply with the FCRA, it can lead to devastating consequences:

  • A dramatically lowered credit score.
  • Difficulty obtaining loans or renting an apartment.
  • Financial hardship and significant emotional distress.

You don’t have to fight this battle alone.

The Cannon Legal PLLC law firm is here to help Texas consumers like you address inaccurate credit reporting and seek justice for FCRA violations.

Our Value Proposition: How Cannon Legal PLLC Can Help You

At Cannon Legal PLLC, we are dedicated to helping consumers understand and enforce their rights under the FCRA. Our strategy is built on expert guidance and aggressive representation to protect your financial future.

1. Expert Guidance on Your FCRA Rights

We will thoroughly explain your rights under the Fair Credit Reporting Act and identify potential violations in your specific situation. This includes helping you understand the difference between negligent and willful violations and how that impacts your case.

2. Strategic Assistance with the Dispute Process

While we guide you through the formal process of disputing inaccurate information with credit bureaus and furnishers, we ensure your rights are protected every step of the way. We can advise you on the proper procedures and legal arguments to maximize the effectiveness of your dispute. We also advise on filing effective complaints with the Consumer Financial Protection Bureau (CFPB) to strengthen your case.

3. Pursuing Legal Remedies and Financial Recovery

If your FCRA rights have been violated and the errors are not corrected, we are prepared to pursue legal action against credit reporting agencies or furnishers.

Our goal is to seek comprehensive damages, which may include:

  • Actual Damages: Compensation for financial losses and for emotional distress and mental anguish caused by inaccurate reporting.
  • Statutory Damages: For willful violations, you may be entitled to recover between $100 and $1,000.
  • Punitive Damages: In cases of willful violations, the court may award punitive damages.
  • Attorney’s Fees and Costs: If you prevail in an FCRA lawsuit, the court typically awards reasonable attorney’s fees, helping you fight back without the burden of upfront legal costs.

Social Proof & Trust: You Only Pay If We Win

We believe that everyone deserves fair representation against powerful credit reporting agencies. That is why we may handle FCRA cases on a contingency fee basis. This means you typically only pay attorney’s fees if we successfully recover money for you.

Don’t let FCRA violations negatively impact your financial life. Cannon Legal PLLC is committed to protecting your rights and helping you achieve a fair and accurate credit report.

Take the First Step to Credit Justice

If your disputes have been unsuccessful or you’ve suffered financial harm and emotional distress due to inaccurate reporting, it’s time to speak with an attorney.

Free FCRA Violation Consultation

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