Florida has a law about security freezes on a consumer report (501.005). These issues are not a big deal because you can already do this under existing law. The law seems useless.
Florida also has Section 626.9741 which applies to the use of credit reports and scores by insurers and says that car insurance companies and homeowners insurance companies can't make decisions based on your credit score.
If your credit report is actually wrong, then you can make these consumer laws work in your favor and file a lawsuit to correct the inaccuracies.
The Florida law does not add any additional penalties for violating this law unlike other states. But, under the federal law, you are entitled to emotional distress damages, economic damages, costs, and attorney fees.
Contact the law office of Joseph P. McClelland to see if we can help you right now.
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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
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