Fair Credit Reporting Act in Indiana

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What is the Fair Credit Reporting Act in Indiana?

The Indiana Fair Credit Reporting Act is a law that is an add-on to the federal Fair Credit Reporting Act ("FCRA") which requires creditors, also known as furnishers, and the crediting reporting agencies or CRAs maintain the accuracy of consumer credit reports and files.

Damages under the Indiana Fair Credit Reporting Act

The Idaho 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 Indiana Fair Credit Reporting Act?

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

What does the Fair Credit Reporting Act Protect Consumers from?

The FCRA protects consumers from inaccurate credit reporting that causes damages and does this by providing a private right of action, which means the right to sue, if creditors and the CRAs don't comply.

Our practice areas include issues with the FCRA, helping victims of id fraud, getting another persons information removed from credit, helping when your social security number is showing you are dead, and more.

One of the things I see a lot in my office is that people are being told that they're dead when they get denied for loans. It's one thing to be denied alone. It's another thing to be done alone for a reason it's not your fault. And if you are alive then clearly it's not your fault someone is saying that you're dead. 

There's a lot of reasons why a credit card company or Bank would deny your application because you are dead. Many times this happens because of the Social Security Administration. 

A lot of times this happens because the credit bureaus have made an internal mistake. Whatever the reason, if you're being told that your deceased your credit score will go to zero.

In these circumstances you should always consult with a credit attorney because of the importance of the matter and the impossibility of it getting resolved without an attorney.

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