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Consumer Law

As a consumer, everyone is susceptible to the same attacks. Protection from creditors and agencies is necessary and the consumer should be able to uphold the protections granted to them by consumer law. Credit reporting, creditor harassment, collection defense, and foreclosure defense are top priorities of Swift Law.

Credit Report Errors

You have rights when it comes to what is being reported about you on a credit report. 

Background Check Errors 

The Fair Credit Reporting Act (FCRA) protects consumers from more that erroneous TransUnion, Experian, and Equifax credit reports. It also protects consumers against erroneous reports such as consumer reports that are sold to employers.

Employment Report Errors

Since employment background checks have become a major factor in the employment field, companies like Equifax Workforce Solutions (“EWS”), a subsidiary of the credit bureau Equifax, have been established for the sole purpose of verifying employment history and income information of applicants.

Background Report Errors

When applying for a job, renting an apartment, or joining a condo association, background reports are commonly used to evaluate a candidate.

Mixed File

The most common problem reported with background searches involves mixed files.  While this is more likely for people with common names, anyone can find that their information is mixed with another.

Identity Theft

Every year, millions of people fall victim to identity theft. Identity theft has many forms. It ranges from a stranger hacking into your digital accounts to obtaining loans or credit cards in your name their own personal gain.