No State Fair Credit Reporting Act in Alabama

Extra State Laws on Credit Reporting in Alabama? Nope 


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. 


Common FCRA Errors to Correct in Alabama

  • Information that is too old to be on your report (generally 7 years)
  • Information that is just wrong and inaccurate
  • Information that is not yours such as identity fraud
  • Information that is mixed or merged with another person's credit files.


Damages under the Alabama Fair Credit Reporting Act

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.


Can You Sue under the Federal or Alabama Fair Credit Reporting Act?

Contact the law office of Joseph P. McClelland to see if we can help you right now.

Schedule a Free Consultation

See our information of the Fair Credit Reporting Act in these states: (We are still building out each state's page)
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, Wisconsin, Wyoming


The law firm of Joseph McClelland is a consumer protection Law Firm. We are located in the Metro Atlanta area in the small suburb called Decatur. The office has been in Decatur for the last 4 years. Prior to that the office has been in Snellville and in Jackson. The founding attorney is Joseph McClelland. the law firm Joseph McClelland is a consumer protection law firm. We are located in the Metro Atlanta area and the small suburb called Decatur. The office is been in Decatur for the last 4 years. Prior to that the office has been in Snellville and in Jackson. The founding attorney is Joseph McClellan. He grew up in Jackson, Georgia. Hit sent it undergraduate school at Georgia Southern University and received a bachelor's degree of Arts and economics and with a minor in Spanish.


After graduating from Georgia Southern, Joseph went to law school in New Orleans at Loyola New Orleans School of Law. After graduating from law school he went to work as a human rights attorney before moving into litigation. One of his first law firms that he worked at with King & Spalding in Atlanta Georgia. After leaving King & Spalding he briefly worked in a real estate law firm doing residential and Commercial Real Estate before opening his own Law Firm. Or almost two decades Southern, Joseph went to law school in New Orleans at Loyola New Orleans School of Law. After graduated from Law School he went to work as a human rights attorney before moving into litigation. One of his first law firm that he worked at with T and Spalding and Atlanta Georgia. After leaving can Spalding he briefly worked in a real estate law firm doing residential and commercial real estate before opening his own law firm. For almost two decades Joseph has been any practicing solo attorney. Joseph is a member of the National Association of consumer Advocates which is an organization that is designed to protect consumers over the interest of Corporations. He is taking an oath to only represent individuals and never represent Corporation going up against an individual. He takes this oath seriously and adheres to it.


Currently the law firm of Joseph McClelland LLC represents clients in disputes over their credit reports Equifax, TransUnion, and Experian as well as with creditors, member of the National Association of consumer Advocates which is an organization that is designed to protect consumers over the interest of corporations. He is taking the oath to only represent individuals and never represent Corporation going up against an individual. He takes this oath seriously and a here's to it. Currently the law firm of Josephine McClellan LLC represents clients in disputes over their credit reports with Equifax, TransUnion, and Experian as well as with creditors, bill collectors, robo collars, incorporation that half individuals. Most of his litigation is now in federal court and revolves around the Fair Credit Reporting Act, the telephone consumer protection act, the fair debt collection practices Act, and George has unfair and deceptive Practices Act. Joseph also brings claims for abuse of the elderly and mortgage abuse.

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