CFPB Issues Advisory Opinion on Junk Data Since we do a tremendous amount of mistakenly reported deceased litigation against consumer credit reporting agencies, we know how bad the current situation really is. On that point, there is news about these types of cases and more coming from the Consumer Financial Protection Bureau (CFPB). ...

Newest UpdatesWe are introduction a new practice area page on background employment check errors. We just released several new articles on consumer law. One is about the death master file, another is answering the question why I have a zero credit score, and about when can a consumer sue Equifax. In the article, we ...

Guide 2023 to Identity Theft Affidavits Do you always need to get an identity theft affidavit? Where do you get an identity theft affidavit? And what do you do with it? Hey everyone, this is attorney Joseph McClelland and say we're going to go over everything you've always wanted to know about identity ...

Medical Identity Theft 2023: How to Stop and Correct ItAs an attorney for victims of identity theft, one common issue seen is medical identity identity theft. Instead of someone opening a fraud account, they are creating medical bills using your identity.Consumer Protection Attorney and Advocate, Joseph McClelland, Esq.What is medical identity theft? Medical identity ...

Emotional Distress & Credit Reporting DamagesHere is a brief overview of obtaining emotional distress damages in Georgia and the 11th Circuit more broadly. If you have a question about being mistakenly reported dead, credit reporting errors, identity theft, or mixed files, contact my office.Thanks for being a loyal reader of our blog.Basics of the Fair ...

5 Things to Know about Credit Freezes and Fraud AlertsWhat do fraud alerts and credit freezes do?In this article by Joseph McClelland, an identity theft attorney for victims, you will learn the ins and outs of the fraud alerts and credit freezes and how they can play a part in recovering from and ...

What is a Credit Report?By Attorney Joseph P. McClelland, Esq.In this report, it is a combination of numerous businesses information on you. It includes your social security number include your date of birth and includes the places that you've lived in the last several years and includes the job that you've had.Most importantly ...

How to get your credit report? There are many places online and in real life where you can get your credit report or credit file. Some of these places make it quite easy to get your credit report while others will require you to pay a fee for no reason.It is your choice on ...

Why Review Your Credit Report?Why should you even take the time out of your day to go get a credit report?You always have people talking about credit reports and Credit in this that and the other, but maybe you don't need any credit right now. Maybe you have no plans of getting a ...

Can You Sue When Your Credit Dispute Fails?What should you do after you dispute errors on your credit report but before you get any response back? I hear this question a lot and I thought it over several times. I always come back to the same response. I don't think you should do ...