Fair Credit Reporting Act in Kansas
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What is the Fair Credit Reporting Act in Kansas?
The Kansas 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 Kansas Fair Credit Reporting Act
The Kansas 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 Kansas Fair Credit Reporting Act?
Contact the law office of Joseph P. McClelland to see if we can help you right now.
What does the Kansas 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.
Identity theft is a huge issue in Kansas. Everyone has information and data all over the internet. It's possible to keep everything together and some people with bad intent will always find a way to cause damage. You hear a lot of talk these days about the dark web. My understanding of the dark web is that is kind of like a marketplace for people to buy really bad things.
One of the things they sell in this market place is people's Social Security numbers and enough information for people to use that in a nefarious manner. The only way to protect yourself is to completely disconnect from society. Another thing you can do is use your common sense to not provide your social security number to any websites that are not secured.
You can see if website secured if you look at their web address and it shows a little lock at the top. Most websites nowadays are secured. The other thing I would advise is not to email anything with your social security number on it just in case someone hacks your email address.
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