Miami-Fort Lauderdale Florida Credit Reporting Attorneys
Denied a mortgage, job, or apartment in South Florida because of inaccurate information on your credit or background report? You’re not alone — and you may have a legal claim under the Fair Credit Reporting Act (FCRA). At FCRA Attorneys, we help clients in Miami, Fort Lauderdale, and across South Florida fix credit report errors, dispute false background checks, and fight for compensation when their rights are violated.
We serve clients in Miami-Dade and Broward Counties — including Miami Beach, Coral Gables, Kendall, Pembroke Pines, Hollywood, and Boca Raton — who have been hurt by false, outdated, or fraudulent information in their consumer reports.
Whether it’s identity theft, mixed files, or a background check mistake, our experienced legal team can help make it right.
WE CAN GET YOU COMPENSATION
FREE CASE EVALUATION
(888) 498-9533
What Is the Fair Credit Reporting Act (FCRA)?
The Fair Credit Reporting Act (FCRA) is a federal law that governs how your credit and background information is collected, reported, and shared. It holds credit bureaus like Equifax, Experian, and TransUnion, as well as background screening companies like Checkr, First Advantage, and HireRight, responsible for maintaining accurate and fair data.
The FCRA gives you the legal right to:
- Access your credit or background reports
- Dispute inaccurate or incomplete information
- Demand corrections or deletions within 30 days
- Block identity theft accounts with proper documentation
- Receive notice if a report is used to deny you
- Sue for damages if your rights are violated
If any of these rights have been ignored or violated, our Miami and Fort Lauderdale FCRA lawyers are ready to help.
Why FCRA Violations Are Common in South Florida
South Florida has a large, diverse population — and unfortunately, that means more chances for reporting mistakes, identity theft, and mixed files.
Common causes of FCRA claims in Miami and Fort Lauderdale include:
- Shared names or address histories causing file mix-ups
- High rates of identity theft and fraud
- Outdated criminal records showing up in background checks
- Incorrect eviction records harming rental applications
- Re-aged or duplicate debts affecting credit scores
- Unresolved disputes despite proper documentation
If your name was confused with someone else’s, or you were the victim of fraud and the bureaus didn’t fix it, you may be entitled to financial compensation under the FCRA.
Types of FCRA Violations We Handle
Our South Florida FCRA attorneys routinely handle cases involving:
1. Mixed or Merged Files
When your report contains someone else’s debts, judgments, or criminal history — typically due to name similarities or address errors.
2. Outdated Public Records
Old bankruptcies, evictions, liens, or criminal cases remain on your reports, even after they’ve been resolved or dismissed.
3. Failure to Investigate Disputes
When you file a proper dispute but the credit bureau or background company ignores it or fails to investigate, they’ve violated the FCRA.
4. Duplicate or Re-aged Accounts
A single debt is listed multiple times or appears newer than it is, hurting your credit score and increasing your loan costs.
5. Identity Theft
You’ve reported fraud and submitted a police report, but the bureaus failed to block the fraudulent accounts as required by law.
6. False Background Check Information
Old charges, expunged records, or charges that were never yours appear in an employment or rental background check.
How Credit and Background Check Errors Hurt You
Even a single error on your report can have serious consequences in Florida’s fast-moving economy:
- Denied home or apartment in Miami Beach, Brickell, or Coral Springs
- Rejected job offer from a hospital, school, or government agency
- Auto loan rejection or higher interest rate from a South Florida bank
- Loss of a professional license or security clearance
- Emotional stress and reputational harm
Our FCRA attorneys in Miami and Fort Lauderdale help you correct your reports — and recover compensation for the harm done.
What You Can Recover in an FCRA Case
When your FCRA rights are violated, you may be entitled to:
- Statutory damages up to $1,000 per violation
- Actual damages for lost wages, credit denials, and emotional harm
- Punitive damages in cases of willful misconduct
- Attorneys’ fees and legal costs, paid by the defendant — not you
Our goal is to get your report corrected and maximize your recovery.
Why Hire FCRA Attorneys in South Florida?
We are not a credit repair company. We are real attorneys who focus 100% on credit and background reporting litigation under the FCRA. Our legal team files lawsuits in Florida’s federal courts, including the Southern District of Florida, and regularly goes up against the largest reporting agencies and background check companies.
Here’s what makes us different:
✅ Free Case Review
We’ll review your credit or background report and dispute history — at no charge.
✅ No Fees Unless We Win
We work on a contingency fee basis, meaning you don’t pay unless we recover money for you.
✅ Federal Litigation Power
We don’t just send letters — we file lawsuits in federal court and pursue justice through litigation when necessary.
✅ Local & National Experience
We understand the unique challenges facing Florida consumers — and we have a track record of results.
✅ Fast, Remote Representation
We handle everything over the phone and online — no office visit required.
What To Do If You Find an Error
If you believe your credit or background report is incorrect:
- Get Your Report
Use AnnualCreditReport.com for credit reports. If a job or rental was denied, request a copy of the background report used. - Review the Information
Look for unfamiliar accounts, outdated public records, false criminal data, or duplicate items. - Gather Evidence
Collect court records, identity theft reports, bank records, emails, or anything else proving your case. - Call FCRA Attorneys
We’ll determine whether you have a strong claim — and if so, we’ll fight to get you compensated.
Areas We Serve in Miami & Fort Lauderdale
We represent clients across South Florida, including:
- Miami (Brickell, Downtown, Wynwood, Miami Beach)
- Hialeah
- Coral Gables
- Doral
- Kendall
- Fort Lauderdale
- Hollywood
- Miramar
- Pembroke Pines
- Sunrise
- Pompano Beach
- Weston
- Boca Raton
No matter where you live in Miami-Dade or Broward County, we offer free consultations and remote service.
Frequently Asked Questions
Q: Can I sue even if the report was corrected?
A: Yes. If the report caused harm before it was corrected — like losing a job or being denied an apartment — you may still be entitled to damages.
Q: What if I haven’t disputed yet?
A: No problem. We can help you file a proper written dispute or step in after one has already failed.
Q: Will hiring an attorney cost me money?
A: No. You pay nothing upfront. If we win, the law requires the credit bureau or background checker to pay our fees.
Q: What courts do you file in?
A: We regularly file cases in the U.S. District Court for the Southern District of Florida, which covers both Miami and Fort Lauderdale.
Contact a Miami & Fort Lauderdale FCRA Attorney Today
Don’t let credit report or background check errors ruin your future. Whether you’ve been denied housing, employment, or credit, FCRA Attorneys is here to help.
WE CAN GET YOU COMPENSATION
FREE CASE EVALUATION
(888) 498-9533
Disclaimer: FCRA Attorneys handles federal Fair Credit Reporting Act (FCRA) cases exclusively in United States District Courts. Our attorneys may or may not be licensed in the state courts of this jurisdiction and do not handle any state-law matters.
Legal services in this state may be provided by an attorney who is licensed in this state and/or admitted to practice before the United States District Courts located in this state. That attorney will be responsible for all legal services provided to clients in this jurisdiction.
Attorney Advertising: Prior results do not guarantee a similar outcome.