Welcome to Aronow Law, P.C.
At Aronow Law P.C., we understand how damaging errors on your credit report can be — from loan denials to higher interest rates, even lost job opportunities. Many people don’t realize that the Fair Credit Reporting Act (FCRA) gives you powerful rights to dispute inaccurate information and to hold credit reporting agencies accountable when they fail to fix mistakes.
Our dedicated team of legal professionals is here to protect those rights. We provide the legal expertise and compassionate support you need to challenge unfair credit practices. We are more than just your attorneys — we are your partners and advocates, committed to restoring your credit reputation and helping you move forward with confidence.
What Is the Fair Credit Reporting Act (FCRA)?
The FCRA is a federal law designed to ensure the accuracy, fairness, and privacy of the information in your credit file. It gives you the right to:
- Dispute inaccurate or outdated credit information
- Expect timely investigations by credit bureaus
- Sue for damages if credit reporting agencies or creditors fail to correct errors
- Protect your personal information from being misused
Unfortunately, credit bureaus and creditors often mishandle disputes, leaving harmful mistakes on your credit report. Aronow Law P.C. fights to enforce your FCRA rights, ensuring errors are corrected and compensation is pursued if you’ve been wronged.
Do I Need an FCRA Attorney?
If you are struggling with credit issues caused by reporting errors, legal action may be necessary. Here are common signs you should consult an FCRA lawyer:
Denied Credit or Loans Due to Errors
If your application for credit, housing, or even employment has been denied because of false information, you may have an FCRA claim.
Repeated or Unresolved Disputes
If you’ve disputed errors with the credit bureaus and they refuse to correct them, an attorney can step in to enforce your rights.
Identity Theft & Mixed Files
If your credit file has been confused with another person’s or used fraudulently, legal action may be necessary to restore your good name.
Emotional Distress & Financial Losses
Errors can cost you money, opportunities, and peace of mind. The FCRA allows you to seek damages for the harm you’ve suffered.
At Aronow Law P.C., we hold credit bureaus and debt collectors accountable for violations, working to fix your credit and recover compensation when the law has been broken.
The FCRA Legal Process
Step 1: Review & Dispute
We review your credit report for errors and help you file a proper dispute with the credit bureaus.
Step 2: Investigation
By law, credit bureaus must investigate disputes within 30 days. If they fail to properly investigate or correct errors, they can be held liable.
Step 3: Legal Action
If credit bureaus or creditors ignore the law, we file lawsuits under the FCRA to recover damages and ensure your credit is corrected.
Step 4: Compensation & Repair
In successful cases, the law allows you to recover actual damages, statutory damages, attorney’s fees, and court costs. This means you don’t pay us out of pocket — the credit bureaus or debt collectors do.
Your Rights Under the FCRA
- The right to a free annual credit report from each major bureau
- The right to dispute errors and receive a timely response
- The right to accurate reporting of debts and collections
- The right to know if your credit report was used against you
- The right to sue and recover damages for violations
Our attorneys will help you leverage these rights to repair your credit and restore your financial health.
Why Choose Aronow Law P.C.?
- Extensive experience handling FCRA claims across New York
- Aggressive representation against credit bureaus and creditors
- Compassionate support and clear communication at every step
- No upfront fees — we only get paid if we win your case
Book Your Free Consultation Today!
Call (516) 762-6700 today for a Free Case Evaluation.
Visit us at: 7600 Jericho Turnpike, Suite 115, Woodbury, NY 11797
Email us at: [email protected]
At Aronow Law P.C., we are dedicated to helping you take back control of your credit and your future. Contact us today to learn how we can hold credit bureaus accountable and restore your financial reputation.
Frequently Asked Questions About FCRA Attorneys
How do I know if I have an FCRA claim?
You may have an FCRA claim if your credit report contains inaccurate information, credit bureaus fail to investigate your disputes, or errors remain after you’ve filed disputes. Denials for credit, loans, housing, or employment based on false information indicate that you should contact an attorney.
Do I have to pay legal fees up front?
No. Under the FCRA, if we win your case, the credit bureaus or debt collectors must pay your legal fees. This means you don’t pay us out of pocket. Our firm only collects if we successfully resolve your case.
What kind of errors can be removed from my credit report?
Common errors include accounts that don’t belong to you, debts already paid or discharged, outdated negative information, duplicate listings, incorrect personal information, and debts caused by identity theft.
How long does the FCRA dispute process take?
Credit bureaus are legally required to investigate your dispute within 30 days. If they fail to correct the errors, legal action can follow. The entire process, including lawsuits, may take several months, depending on the complexity of your case.
Can I sue a credit bureau for not fixing my credit report?
Yes. If a credit bureau fails to investigate properly or correct inaccurate information, you can sue for damages under the FCRA. Successful claims may compensate for financial losses, emotional distress, and attorney’s fees.
What damages can I recover in an FCRA case?
You may be entitled to actual damages (such as financial losses from loan denials), statutory damages, emotional distress compensation, and, in some cases, punitive damages if the violation was willful.
