Consumer reporting mistakes don’t just go away.

consumerattorneys.com - where consumers go for legal help with challenging mistakes

we can help with

Background Check Mistakes

These errors happen regularly to job seekers, employees, rental applicants, and others. Among the most common is reporting false or inaccurate data in a criminal background check, which can result in job and rental denials, termination from current employment, security clearance denials, and more.

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Credit Reporting Mistakes

These errors typically show up as misleading, inaccurate, or false data in your credit report. Commonly caused by someone else’s data being mixed in with yours, these errors result in credit and loan denials for things like mortgages and auto financing, and in denials for insurance, benefits, and other consumer products.

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Mistakes After Identity Theft

These errors are reported in the aftermath of identity theft. For instance, when an identity thief opens a loan in your name, neither the unauthorized loan nor the default should be included on your credit report. However, disputing these accounts and seeking corrections with the credit bureaus is rarely straightforward or easy.

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Mistakes Made by Debt Collectors

When consumer reporting errors get turned over to debt collectors, unyielding harassment is a common tactic, leading to anxiety and overwhelm. To make matters worse, sometimes identity thieves pose as debt collectors, leaving you in doubt. Sorting out what is legitimate and how to legally protect yourself isn’t easy.

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how it works

Select Your Mistake

Whether you’re dealing with one of the common consumer mistakes we explored above, you’re facing a different type of error, or you’re not quite sure what the problem is, we can help.

Get Started on Recovery

Contact us through our website, online intake form, email, or phone number. Let us know which consumer reporting problem is currently impacting your life financially, emotionally, reputationally, or otherwise.

Keep an eye out

Our devoted intake team will contact you as soon as possible to begin gathering more information. We typically reach out within 24 hours by phone, text, or email. The sooner we can talk, the sooner we can help, so look for us!

about us

We’re a trusted consumer reporting law firm with a client-centered approach.

With over seventy-five years of combined experience, our talented team of attorneys has helped thousands of consumers just like you recover from the often devastating challenges of consumer reporting mistakes. We have seen, heard, and helped with every imaginable consumer reporting scenario, allowing us to build an intricate and nuanced understanding of the law, the regulatory processes, and the corporate wrongdoers at a level that is unmatched by our competitors.

As a BBB-accredited law firm, we also know that providing leading-edge legal representation requires embracing genuine compassion as a core value. From our intake team to our dedicated partners, we see you and represent your interests as advocates for change through membership with nonprofit organizations like the National Consumer Law Center and the National Association of Consumer Advocates.

We help consumers fight back against multi-billion-dollar corporate entities.

When credit bureaus, banking institutions, mortgage and auto lenders, and debt collection corporations don’t follow the laws, regulations, and consumer advisements meant to protect you, the consequences for them are meaningless. But the consequences for you are life-changing.

With the right team, it is possible to successfully dispute errors, demand corrections, and get compensation for the harm you suffered as a result of this corporate carelessness. We thoroughly investigate the facts of your situation in light of the relevant state and federal law, make decisions about the best steps for enforcing your legal rights and protections, and fight to make you whole. We know that money can't make up for the trauma of being unjustly denied work, housing, benefits, clearances, insurance, and other things, but when these companies are forced to fix their mistakes and cut you a check, it sure doesn’t hurt.

We’re everywhere you need us to be.

Though our main offices are strategically spread across the country—in Arizona, California, Florida, and New York—we have representation in every state and every court nationwide. Consumers don’t get to pick when and where reporting mistakes will strike, but you can pick a legal powerhouse to represent your interests, no matter where you are.

Best of all, the Fair Credit Reporting Act (FCRA) makes working with us easy. By law, whether we negotiate a settlement or win a judgment, the companies we sue have to pay our legal costs and fees to represent you. This is because they have to pay for their own mistakes, including paying the bills for your attorney. If we don’t win, you owe nothing. Get on the road to real consumer justice today.

Get started on your recovery. Trust us to take it from here.

INVESTIGATIVE ENGAGEMENT AGREEMENT

You, (“Client,” “you”), and Consumer Attorneys PLC (“CA” or “we”), located at 8095 N. 85th Way, Scottsdale, AZ 85258 (“CA”) , hereby enter into this limited scope retainer agreement whereby you agree to grant CA the exclusive authority to investigate your potential consumer law claim(s), including but not limited to potential violations of the Fair Credit Reporting Act (“FCRA”), Fair Debt Collection Practices Act (“FDCPA”), Equal Credit Opportunity Act (“ECOA”), Electronic Funds Transfer Act (“EFTA”), Fair Credit Billing Act (“FCPA”), and/or the Telephone Consumer Protection Act (TCPA”) (collectively referenced as “consumer protection statutes”). ¹Please read carefully before signing:

Authorization

You authorize CA to investigate your potential consumer law claim(s) under state and federal consumer protection statutes. You authorize CA to contact third parties on your behalf for the limited purpose of investigating your potential consumer law claims. “Third parties” include but are not limited to consumer reporting agencies, creditors, lenders, debt collectors, rental agencies, employers, courts, and law enforcement agencies.

CA’s Exclusive Investigative Period

CA agrees to investigate your potential consumer law claims in good faith. By signing this agreement, you agree to give CA the exclusive right to investigate your potential consumer law claim(s) for the next 180 days (“Exclusive Investigative Period”). For the duration of the Exclusive Investigative Period, you agree that you will not communicate with any other law firm or legal representative about your potential consumer law claim(s). You agree to forgo any previously scheduled consultation or case review until CA’s Exclusive Investigative Period concludes.

Termination of Exclusive Investigation Period

CA agrees that the Exclusive Investigative Period may not extend beyond 180 days without your prior written consent.

At any time between the date of this agreement and the expiration of CA’s Exclusive Investigative Period, CA may inform you of the outcome of its investigation. If CA’s investigation reveals that you have an actional consumer law claim, CA may ask you to sign a formal retainer agreement. If CA’s investigation does not reveal an actionable consumer law claim, you will receive an e-mail that states CA will not represent you in any further pursuit of your potential claim(s).

The relationship between you and CA automatically terminates at 5pm on the 180th day of the Exclusive Investigative Period or your receipt of CA’s written notice to decline representation, whichever comes sooner. At the conclusion of the Exclusive Investigative Period or upon receipt of CA’s written declination of representation, you are permitted to seek alternative legal counsel without penalty.

Nothing in this agreement should be construed as a promise or guarantee that CA will represent you in a consumer lawsuit at any point in time. CA reserves the right to decline to represent you for any reason permitted by relevant laws and ethical rules.

Your Involvement and Promises to us

You agree to meaningfully participate and cooperate in CA’s investigation of your potential consumer law claim(s). You agree to immediately inform CA if your mailing address, e-mail address, or phone number changes at any point during the Exclusive Investigative Period.
You agree to provide all relevant information, communications, documents, materials, and all other similar instruments to CA and its representatives during the Exclusive Investigative Period. You understand that your failure to provide all relevant information, communications, documents, and materials to CA during the Exclusive Investigative Period may hinder, delay or otherwise frustrate CA’s investigation of your potential consumer law claim(s).

You agree, under penalty of perjury, to provide complete, accurate, and truthful information to CA. All documents and communications, oral or written, past or future, provided to CA during the Exclusive Investigative Period and anytime thereafter are presumed by CA to be true, complete, and accurate.

Fees and Costs Incurred During Exclusive Investigative Period

CA agrees that you will not incur any out-of-pocket fees or costs during CA’s Exclusive Investigative Period. However, if CA agrees to represent you in a consumer lawsuit, CA may recover the fees and costs incurred during the Exclusive Investigative Period from the Defendant pursuant to a future settlement or judgment.

You agree that CA has a right to place a lien on any future monetary recovery obtained by client related to the claims identified during CA’s Exclusive Investigative Period or as a result of CA’s investigative efforts. If you refuse to cooperate with CA in the formal pursuit of the consumer law claim(s) it identifies during or after the Exclusive Investigative Period, you agree that CA has the right to recover the fees and costs it incurred while investigating your potential consumer law claim(s).

Authorization to Use Your Electronic Signature

CA will send you any and all documents that require your signature. You authorize CA to affix your electronic signature to requests, disclosures, or other forms that CA deems reasonably necessary to the investigation of your potential consumer law claim(s) upon receipt of your approval or after the 7th day after the document was sent to you, whichever comes first. Your electronic signature will be used on any and all other subsequent documents that will need signature, affirmation, acknowledgment, or any other forms of authentication in reference to this matter under the above referenced procedure.

¹You also agree to give CA the exclusive authority to investigate potential violations of state-specific consumer protection statutes.

FORM # INV2024CA119

I have read and agree to the Privacy Policy and Investigative Retainer

Attorney Advertising, Prior Results Do Not Guarantee A Similar Outcome. This website is for informational purposes only and does not contain legal advice. Results may vary depending on your particular facts and legal circumstances.