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 they credit report is actually wrong, then you can make these consumer laws work in your favor and file a lawsuit to correct the inaccuracies. If the info on your credit is correct (just not what you want), then these laws will not help in you.
Oklahoma House Bill 2492 provides that prior to requesting a consumer report for work, you be notified and must be given an option of a copy free of charge.
Oklahoma really adds nothing with what they attempted to add with a security freeze on your credit file. The statute provides how to place them and get them removed, and caps the credit agencies to charge $10 to freeze it. Pretty much useless because most of this is under the federal law.
Under the FCRA, you are entitled to emotional distress damages, economic damages, costs, and attorney fees.
Contact the law office of Joseph P. McClelland to have a conversation about whether you have a case and the next steps for victory.
Schedule a Free Consultation
We just released a new book on Amazon about Identity theft law and how to fix bad accounts. You can find more about the book on this site.