Know Your Rights

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Welcome to the Protecting Consumer Rights Blog...

You have rights when a debt collector is pursuing you. SmithMarco, P.C., has over 30 years of combined experience practicing law protecting the rights of consumers around the country.

Contact us for a free case review to determine if your Fair Debt Collection Practices Act rights were violated. 

More than the Big 3 are Reporting Information about You

Since the Equifax data breach, many consumers for the first time are pulling their credit reports and reviewing their information.  While a major credit reporting security breach should not be the impetus for a credit review, it certainly did help to serve as a reminder that consumers should and need to know what’s reporting about them.  Accessing your credit report to ensure its accuracy should go beyond the big three.  There are more credit reporting agencies in addition to Equifax, Experian and Trans Union that store and report your confidential information.Read More...

Hope For Credit Reporting Changes in 2018

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. Read More...

$60 Million Verdict Against Trans Union Upheld

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. Read More...

What To Do if Your Credit Application is Rejected

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. Read More...