The Fair Credit Reporting Act or (FCRA) is a federal law and requires creditors, also known as furnishers, and the crediting reporting agencies to do several things regarding the accuracy of the credit reports.
If your credit report is wrong, then you can file a lawsuit to correct the inaccuracies.
New York Consolidated Laws, Article 25, Section 380-j provides that a consumer reporting agency may not report an arrest or charge unless there was a conviction for 7 years or the job pays $25,000 or more.
The FCRA entitles you to emotional distress damages, economic damages, costs, and attorney fees.
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