The Fair Credit Reporting Act or (FCRA) is a federal law and requires creditors, also known as furnishers, and the crediting reporting agencies to do several things regarding the accuracy of the credit reports. For those who live in Alabama, you will rely on the federal law only. But, that's okay because the FCRA gives you great protections if you know where to look.
If anyone is credit reporting on you inaccurately, then you have rights. By following those rights, you can make these consumer laws work in your favor and file a lawsuit to correct the inaccuracies.
The Alabama here does not exist. But, under the federal law, you are entitled to emotional distress damages, economic damages, costs, and attorney fees. They can't take that away from you.
Contact the law office of Joseph P. McClelland to see if we can help you right now.