Protecting Consumer Rights - Presented By SmithMarco, P.C.
SmithMarco, P.C. is a private law firm dedicated to representing consumers and protecting their rights. Managing partners Larry Smith and David Marco have been practicing consumer protection for over 35 years combined, and have successfully defended consumers in thousands of cases. They are experienced debt collection practices act attorneys and credit report and background dispute lawyers who can ensure that your rights are protected, debt collector harassment stops, and that credit and background report errors are corrected depending on your needs.
If you feel your rights have been violated in regards to debt collection, credit report errors, background check errors, consumer fraud, or lemon laws, please do not hesitate to contact us for a free case review or give us a call at 888-822-1777.
Recent Protecting Consumer Rights Blog Posts
Tune into CAN TV’s “Credit Talk” to hear from SmithMarco’s very own attorney, Larry Smith. He discusses a variety of credit-related topics, one of them most notably being the recent Equifax data breach. Learn how you can spot red flags in your credit report that may suggest that you’ve been a potential victim of the hack, as well as next steps to dispute these inaccuracies.More >
Under an amendment to the Fair Credit Reporting Act in 2003, consumers are entitled to one free credit report a year from each of the three big credit reporting agencies, Equifax, Experian and Trans Union. After the recent security breach at Equifax, there is no better time than now to take advantage of obtaining your free report to make sure the information on your credit file actually belongs to you and that you are not one of the 143 million consumers whose information was compromised. More >
In the aftermath of Equifax’s data breach, one of the largest breaches in credit history to date, Congress is looking to reform the use of credit information used for employment background checks. After 143 million American consumers were affected by the data breach, Congress proposes a new bill that would result in big changes for the credit reporting agencies and consumers by regulating the use of credit reports for employment purposes.More >
You came to this page because you have concerns about the recent breach at the data centers of Equifax, one of the major credit reporting agencies. We are well aware of the circumstances and we are aware that millions of people have been, or will be, affected by this breach.More >
Employment Background check cases are on the rise. The Fair Credit Reporting Act (“FCRA”) is doing its job and protecting consumers nationwide from the improper handling of consumer reports during the employment application process. Consumers should be aware of their rights and protect themselves from misconduct of employers. More >
As a consumer who has filed for bankruptcy, the relief of being able to start fresh can give you a new outlook on life; no more calls from debt collectors, no more mounting bills to worry about being able to pay off. However, the concern about rebuilding your credit and being able to get credit is a legitimate one. A low credit score post bankruptcy is a reality, however, rebuilding your score is not impossible.More >
Earlier this month, the Second Circuit ruled in favor of the business world when it held in Reyes v. Lincoln Automotive Financial Services that a consumer cannot revoke consent to receive automated or prerecorded phone calls on a mobile device. This is a harmful decision for consumers everywhere who are sick and tired of getting robo-dialed on their cell phones. More >
Just a few shorts weeks ago, the Northern District of California awarded the plaintiffs in the case of Ramirez v. Trans Union LLC, $60 million after holding that the defendant, credit reporting agency Trans Union, violated the Fair Credit Reporting Act (“FCRA”). To date, this is the largest amount awarded by a jury to a consumer for violations of this statute. More >
The Fair Credit Reporting Act (“FCRA”), is the federal statute that was enacted to promote accuracy, fairness, and privacy of consumer information contained in the files of credit reporting agencies. The purpose of this law is to protect consumers from the willful and/or negligent inclusion of inaccurate information in credit reports. With this purpose in mind, the law regulates gathering, dissemination, and use of information by the credit reporting agencies and furnishers to ensure the accuracy of consumer information. More >