Social media is full of advice about “cleaning” your credit report, much of it dangerously inaccurate. Every day, people are told they can dispute any negative information and have it instantly removed. Others claim you can sue the credit bureaus simply because you don’t like what’s on your report. The truth? Your rights under the
Moving to a new state brings enough stress, new responsibilities, and the need to find housing. But discovering a violent felony conviction on your background check that isn’t yours is truly shocking. That’s exactly what happened when Resident Verify mixed up our client with a completely different individual, someone with a criminal record, a different
When you apply for a loan or try to open a bank account, the bank looks at background reports—like your credit history or your past banking activity. But sometimes these reports contain mistakes. And when a bank relies on incorrect information, it can cause big problems. Here’s what you need to know. How an Incorrect
Finding a new home for your family should be exciting, a chance for more space, more comfort, a fresh start. But for one of our clients, the process turned into panic, embarrassment, and financial strain when Trans Union Rental Screening Solutions (TURSS) reported a criminal history that didn’t exist. A New Home for the Family
Post-hire background checks, also called continuous or ongoing background screening, are becoming increasingly common as employers try to monitor employees for potential risks. But when these reports contain errors, they can destroy your career, damage your reputation, and violate your rights under the Fair Credit Reporting Act (FCRA). At Francis Mailman Soumilas, P.C., we’ve represented
You may think your background check came from On-Site or LeasingDesk — but it’s all RealPage. When you apply for an apartment, the landlord might tell you your screening is through On-Site or LeasingDesk. But what most renters don’t realize is that both companies are owned and operated by RealPage. RealPage is one of the
When you’re trying to give your family a better life, a bigger home, a safer neighborhood, a better school, the last thing you expect is to be branded a criminal by mistake. That’s exactly what happened to one family when SafeRent mixed up an innocent renter’s identity with someone else’s criminal record. A Fresh Start,
Each year, millions of Americans sign up for health coverage during Open Enrollment, and scammers take full advantage of this opportunity. Fake emails, phone calls, and text messages are flooding inboxes, all designed to steal your personal and financial information. If you fall victim, the consequences can go far beyond losing money. Stolen data is
When “STOP” Doesn’t Mean Stop: Your Rights Under the TCPA for Unwanted Promotional Texts In today’s world, promotional text messages are everywhere, offering deals, discounts, and updates from retailers, restaurants, and service providers. But what happens when you’ve had enough and reply “STOP”—yet the texts keep coming? Under the Telephone Consumer Protection Act (TCPA), that
In recent years, a new kind of financial product has been spreading quickly across the country—promoted as a “home equity investment” or “shared equity agreement.” These companies promise quick cash with no monthly payments. They say they’re “partners” in your home’s future value. But according to multiple courts across the United States, these so-called investments