Fair Credit Reporting Act in Florida 

The Fair Credit Reporting Act in Florida

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.

VERDICT: WEAK


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.

VERDICT: INTERESTING


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.


Common FCRA Errors to Correct in Florida 

  • Accounts older than 7 years (10 if Chapter 7 bankruptcy)
  • Information that is false 
  • Identity fraud accounts not authorized
  • Mixed or merged with another person's credit files.


Damages under the Florida Fair Credit Reporting Act

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.


Do You Have a Claim under the Federal or Florida Fair Credit Reporting Act?

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


Florida is a large state with many different regions. Other major metropolitan areas include Tampa Bay, Orlando and Jacksonville. According to the United States Census Bureau, Florida's population was 21,477,737 on July 1, 2019. The largest city is Miami. It has a population of 3 million people and covers an area of 1,852 square miles. The second-largest city is Orlando with 2.1 million residents. Tampa comes third with about 1.5 million inhabitants. Jacksonville ranks fourth with more than one million citizens. Fort Lauderdale follows with over 900 thousand inhabitants. Tallahassee rounds off the top five with 890 thousand residents. The smallest city in Florida is Key West which only has around 30 thousand inhabitants.

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