The Fair Credit Reporting Act in New Jersey
New Jersey also has a statute entitled the New Jersey Fair Credit Reporting Act – C:56.11-28. This law practically copies the Fair Credit Reporting Act, but adds in some provisions that are specific to New Jersey residents. The law provides the same requirements for the furnishing of consumer reports, and when one is permitted to be accessed. The law provides for what information must be disclosed to the consumer when a consumer requests his or her own credit file. The law provides for an investigative procedure for when disputed information is disputed, and for how previously deleted information is re-inserted to a credit report. Yet this part of the law practically mirrors the federal Fair Credit Reporting Act. The law also provides the same remedies as the FCRA, namely the award of actual damages and attorney fees for negligent violations, and up to $1000 for willful violations.
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If you have an error or inaccurate information on your credit report, there are actions that you can take. Contact SmithMarco, P.C., today for a completely free case review.