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Worcester FCRA Violation Lawyer

Protecting Consumers under the Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA) was established in 1970 to protect the public against the use of unfair and inaccurate personal information used in credit reports. It also contains privacy protections designating who is allowed to have legal access to such information. The FCRA is overseen by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau who have the power to enforce its provisions. Thus, the FCRA contains the primary laws governing how personal credit information is collected, recorded, and protected on behalf of consumers

If your rights under the FCRA have been violated, you may have grounds to sue the violator for certain damages. As a Worcester FCRA violation attorney at Morrison & Associates, I can review your case to determine the legal options available to you and take appropriate action to rectify the situation. I have dealt with credit issues in 5,000 cases for clients in and around Worcester for 20+ years. You can count on me for experienced professional legal service dedicated to debt relief and improving your financial condition.

Phone my office at (508) 928-3038 or contact me online to arrange for a consultation about your credit situation today.

Understanding Your Rights under the FCRA

Under the rules of the FCRA, credit reporting agencies are obligated to:

  • Disclose to you the information they have collected
  • Investigate any dispute you make regarding their information
  • Correct or delete any wrong information contained in your file
  • Remove old credit information (usually negative information such as bankruptcies, tax liens, etc. that are 7 to 10 years old or more)
  • Share your information with only those who have a valid need for it, such as creditors, landlords or leasing agents

The FCRA contains additional rules that parties who supply credit information to the reporting agencies must follow, as well as parties who use that information. For example, if you are denied credit, insurance, or a job based on your report, you have a right to be notified as to the reason for the denial and informed of the identity of the reporting agency that was used in the decision.

To learn more about your FCRA rights and potential violations, contact the FCRA violations lawyer at Morrison & Associates; call (508) 928-3038 today.

Client Testimonials

  • “Angel on Earth - did a remarkable job”

    Angel Kelley

  • “Easy to talk ... helped me feel comfortable about the BK process”

    Janet Sweeney

  • “Person at my side through entire process.”

    Daniel G.

  • “Troy helped us get on the road to getting our lives back”

    Very professional

  • “Troy is the most professional and knowledgeable attorney for any type of case”


  • “Troy is the most professional and knowledgeable attorney for any type of case,”


  • “The help he gave me during this difficult time was appreciated more than I could express.”


  • “Always there for you!!!”

    D & J Pelo

  • “Always There for you!!!”

    D & J

  • “Prompt response and streamlined process!”


  • “"If you can't fly then run. If you can't run then walk. If you can't walk then craw. But whatever you do, you must keep moving forward." - Martin Luther King Jr.”

    Ruby Vincent

  • “It was obvious to me that he was a professional who was experienced in helping people in my situation. Highly recommended”


  • “He met with me the day I called and filed in time to save my home.”