Fair Credit Reporting Act (FCRA) Attorney handles complaints in Alabama involving violations of the FCRA

The Fair Credit Reporting Act is a federal law is designed to protect consumers against unfair and illegal credit reporting tactics while ensuring their credit privacy is protected.

Section 1681 - Introduction to the FCRA
The Fair Credit Reporting Act - Learn how to use this law to protect your credit history and repair credit reports!
Section 1681a - Definitions; rules of credit reporting
Covers definitions and rules used throughout the Fair Credit Reporting Act!
Section 1681b - Permissible purposes of consumer reports!
Learn the legal purposes of consumer credit reports!
Section 1681c - Legal information in consumer reports!
Learn what legal information can be contained in your consumer credit reports and what must be removed, corrected, or deleted!
Section 1681d - Disclosure of investigative credit reports!
Learn what your rights are when an investigative report is prepared on you such as for employment!
Section 1681e - Compliance procedures
Learn how credit bureaus must comply with this law to protect your credit history and fix inaccurate credit reports!
Section 1681f - Disclosures to governmental agencies
Learn what can and cannot be disclosed to governmental agencies!
Section 1681g - Title Disclosures to consumers
The Fair Credit Reporting Act spells out title disclosures to consumers!
Section 1681h - Conditions of disclosure to consumers
Credit bureaus can collect and furnish credit reports only under these specific conditions; or face civil liability!
Section 1681i - Dispute procedures for inaccurate credit reports!
Learn about your rights and procedures when disputing the accuracy of credit reports!
Section 1681j - Charges for disclosures on credit reports!
The Fair Credit Reporting Act sets the amount consumers can be charges for credit reports!
Section 1681k - Public record information for employment purposes
Learn what information in your credit report is considered public record information for employment purposes!
Section 1681l - Restrictions on investigative consumer reports
The law sets specific restrictions on investigative consumer reports!
Section 1681m - Requirements on users of consumer reports
All users of consumer reports have legal requirements and responsibilities they must follow or face civil liability!
Section 1681n - Civil liability for willful noncompliance!
Willful noncompliance subjects credit bureaus and those who furnish them information to higher civil penalties!
Section 1681o - Civil liability for negligent noncompliance
Credit bureaus and those who furnish them information can be sued for civil liability - learn how much and under what circumstances.
Section 1681p - Jurisdiction of courts; limitation of actions
Learn which courts have jurisdiction over your credit reports and their enforcement limitations!
Section 1681q - Obtaining information under false pretenses
Obtaining information from credit bureaus under false pretenses subjects the violator to stiff civil penalties!
Section 1681r - Unauthorized Disclosures of Credit Reports!
Unauthorized disclosure of consumer credit reports subjects the violator to civil penalties!
Section 1681s - Administrative Enforcement
Learn how federal and state agencies enforce the Fair Credit Reporting Act.
Section 1681s1 - Overdue child support obligations
Under certain conditions, the Fair Credit Reporting Act requires overdue child support obligations be reported for 7 years!
Section 1681s2 - Responsibilities of furnishers of information
Furnishers of information to consumer credit reporting agencies have specific legal responsibilities under the FCRA!
Section 1681t - Relation to State laws
Under certain conditions, your State laws may or may not protect your credit reporting rights!
Section 1681u - Disclosures to FBI for counterintelligence purposes
Learn what information is allowed to be disclosed to the FBI for counterintelligence purposes!

To view this federal law in its entirety, please visit Fair-Credit-Reporting.com

If you're dealing with debt collection or consumer credit issues...help is just a click away!
Tell Attorney, Andy Nelms About Your Problem Here! You can also visit our new Debt & Credit Forums where you can post questions, get answers and share your debt collection and credit stories with others.

The following language is required pursuant to Rule 7.2, Alabama Rules of Professional Conduct. "No representation is made that the quality of legal services to be performed is greater than the quality of legal services performed by other lawyers. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship."