Unfortunately for the state of Louisiana, the governor and its current Congress has decided that the people of Louisiana are well-suited enough under the federal law that governs credit reports.
If you live in Louisiana don't despair because you still have some pretty good rights if you know what you're doing.
Under the Fair Credit Reporting Act, if you see something wrong on your credit report and dispute to the CRAs, the creditors have an obligation to investigate your claims.
Further, when you dispute something to the credit bureaus, they have an obligation to investigate, as well.
If that business determined that your dispute is correct, they must request that the credit reporting agencies fix the inaccurate information.
However, if it is not corrected after your dispute to the credit reporting agencies, you may have a claim for damages under the FCRA.
Even thought the state of Louisiana did not add any new laws, the current laws still provide great protection if you use them.
Contact Joseph McClelland, Esq. Today.
If you feel like your rights have been violated under the Fair Credit Reporting Act, please reach out to my office.