Credit Repair & Fair Credit Reporting Act Violations

Credit Repair & Fair Credit Reporting Act Violations

Protecting Your Financial Reputation in West Virginia & Virginia

Your credit report is more than a number — it affects your ability to buy a home, finance a car, or even secure employment. When credit bureaus or lenders report false information or refuse to correct mistakes, the consequences can be life-changing.

At Katz, Kantor, Stonestreet & Buckner, PLLC, we help individuals throughout West Virginia and Virginia hold credit reporting agencies and creditors accountable under the Fair Credit Reporting Act (FCRA). Our goal is simple: to protect your financial integrity and make sure your credit report tells the truth about you.

Understanding the Fair Credit Reporting Act (FCRA)

The FCRA is a federal law that ensures your credit information is accurate, fair, and secure. It applies to credit bureaus such as Experian, Equifax, and TransUnion, as well as lenders, employers, and debt collectors who use or report your financial data.

When these entities mishandle information, they can be held legally responsible. Common violations include:

  • Reporting inaccurate or outdated information
  • Failing to investigate disputes within 30 days
  • Pulling credit reports without authorization
  • Mixing credit files between consumers
  • Re-reporting deleted or corrected items
  • Sharing your credit report without your consent

If you’ve discovered false information on your credit report or experienced a privacy violation, you have the right to demand correction — and compensation.

Your Rights Under the FCRA

Under the law, you have the right to:

  • Receive a free copy of your credit report from each bureau annually
  • Dispute errors in writing and receive a timely investigation
  • Know when your credit report was used to deny you credit, housing, or employment
  • Have inaccurate or outdated information removed
  • Seek compensation for willful or negligent violations

When companies ignore these rights, our attorneys take swift action to hold them accountable.

Get started on your case today by dialing (304) 898-8499 now or contacting our firm online. We only collect our fees on amounts above the initial settlement offered by insurers.

Illegal Credit Repair Practices

Not all “credit repair” services are legitimate. Many companies make false promises to “erase bad credit” or create a “new credit identity.” These scams often violate both the FCRA and the Credit Repair Organizations Act (CROA).

You may be dealing with an illegal credit repair company if they:

  • Demand payment before performing any services
  • Tell you to dispute accurate information
  • Offer a new Social Security or EIN number to create a fake credit file
  • Guarantee results that sound too good to be true

If you’ve been scammed or overcharged by a credit repair company, we can help recover your losses and stop further harm.

How Katz, Kantor, Stonestreet & Buckner Can Help

Our firm has protected West Virginia and Virginia consumers since 1931. We combine deep legal knowledge with a client-centered approach to every case.

We help clients:

  • Correct credit report errors quickly and permanently
  • File lawsuits for FCRA violations and unlawful credit repair schemes
  • Recover compensation for emotional and financial losses
  • Defend against wrongful debt collection actions linked to false reporting
  • Restore financial stability and rebuild credit confidence

Whether your case involves a nationwide credit bureau or a local lender, we provide the same dedication, professionalism, and tenacity that have defined our practice for generations.

We believe every consumer deserves a clean slate and accurate financial record. Our mission is to protect your credit — and your peace of mind.

Contact Our Credit Repair Attorneys

If you’ve found errors on your credit report, been harassed by a collector, or paid for unlawful credit repair services, you have legal options.

Call (304) 898-8499 or contact us online to schedule a free consultation. Let our team at Katz, Kantor, Stonestreet & Buckner, PLLC help restore your credit integrity and hold violators accountable.

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