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
Since the disclosure of the Equifax data breach in September, American consumers have been warned to be overly cautious and protective of their personal information. While data breaches occur more frequently than lenders would like to admit, the Equifax data breach was on an entirely different scale. This breach leads us to ponder the question, is our credit reporting system the best available and best option for us. More >
Just this past week, a California judge denied Trans Union’s appeal of a $60 million verdict for violations of the Fair Credit Reporting Act (“FCRA”). A jury determined Trans Union was liable when it confused over 8,000 consumers’ names with the names of criminals and terrorists on a government watch list. Five years after the case was filed, the consumer class was awarded statutory and punitive damages exceeding $60 million. On appeal, the judge stated the jury was justified in reaching such a hefty verdict. More >
With the holidays just around the corner, most consumers consider applying for credit to be able to have additional means to make purchases during this expensive time. If you are one of the millions of consumers applying for credit and find that you are continually getting denied, don’t just accept the rejection. Finding out why you have been denied for a credit card or loan is within your rights under the Fair Credit Reporting Act (“FCRA”) and you deserve to know the reasons. More >
Under The Fair Credit Reporting Act (“FCRA”), when you are a victim of identity theft you have specific rights. While recovering from a massive attack on your credit is a lengthy process, it is not an impossible feat if you follow the letter of the law and these five simple steps.More >
When applying for a credit card it seems fairly obvious that you cannot get approved with a poor credit history. However often times, consumers with a good credit score are denied for a variety of other reasons. Here are seven of the top reasons credit card companies may deny your application.More >
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 >