Do I have any recourse of action if a lender violates the Fair Credit Reporting Act?
Yes, if a lender violates the Fair Credit Reporting Act (FCRA) in Georgia, you have the right to take action. Under the FCRA, you have the right to dispute any inaccuracies in the information lenders have reported to credit bureaus about you. This could include false account information, incorrect inquiries, or inaccurate personal data. If a lender has provided false information to the credit bureau, you can file a complaint with the Georgia Office of the Attorney General. The Attorney General’s office will investigate the complaint and seek to resolve the issue. You will also have the right to take the lender to court and receive damages if you can prove that the false information was given with the intent to harm you. In addition to filing a complaint with the Attorney General’s office, you also have the right to contact the lender and ask them to correct their mistake. If the lender refuses to make the correction, you can pursue legal action against them. If you have been the victim of a FCRA violation and feel that you have received damages due to the violation, you should contact a consumer protection attorney to discuss your legal rights.
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