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Consumer Rights Blog

The Recent CFPB Fine for Equifax: What It Means for Consumers

The Consumer Financial Protection Bureau (CFPB) recently imposed a significant fine on Equifax, one of the three largest credit reporting agencies in the United States. This action has drawn attention to the practices of credit reporting agencies and their responsibilities toward consumers. Below, we explore the reasons behind the fine, its implications for Equifax, and

Social Security’s False Death Listings – Jim Francis Interviewed by The Washington Post

Francis Mailman Soumilas, P.C. Partner Jim Francis Interviewed by The Washington Post in Report on Social Security’s False Death Listings A recent Washington Post investigation has uncovered that the Trump administration pressured the Social Security Administration (SSA) to falsely declare over 6,000 living immigrants as deceased — a move designed to strip them of their

John Soumilas Consumer Protection Attorney at Francis Mailman Soumilas, P.C.

A Primer on the New Jersey Data Privacy Act

The New Jersey Data Privacy Act (NJDPA, N.J. Stat. Section 56.8-166.4 et seq.), went into effect this past Jan. 15. Signed into law Jan. 16, 2024, the NJDPA represents New Jersey’s entry into the burgeoning field of data privacy laws, as it joins 18 other states that have passed such laws. The NJDPA primarily affects large

Falsely Declared Deceased by the Social Security Administration? You Are Not Alone

At Francis Mailman Soumilas, P.C., we are committed to protecting consumers from the devastating consequences of bureaucratic errors. A recent case handled by firm partner, Jim Francis, highlights the profound impact such mistakes can have and underscores the importance of vigilant legal advocacy.  In December 2023, Joyce Evans, a retired federal employee, received a letter

Understanding Bad Debt Removal: How to Dispute Outdated Debt on Your Credit Report

A negative mark on your credit report can significantly impact your financial well-being, but under the Fair Credit Reporting Act (FCRA), most delinquent debts must be removed from your credit report after seven years from the date of the first missed payment. However, errors and outdated debts can linger beyond this timeframe, damaging your credit score

Did Your Twin’s Information Show Up on Your Credit Report?

One of the most common causes of inaccurate information on credit reports and background checks is the mixing of information belonging to two different people, often because of similar names and addresses.  This is a particularly common problem with twins, who share a date of birth as well as last name and usually address history. 

The Ripple Effect of Inaccurate Background Checks

The Ripple Effect of Inaccurate Background Checks: What One Report Could Mean for Millions

When it comes to background checks, accuracy is everything. Whether it’s for employment, housing, or financial decisions, the information these reports provide can determine someone’s future opportunities. But what happens when one background check company produces an inaccurate report about a consumer? Unfortunately, it may not be just a one-off error—it may signal a larger,

Recognizing the Signs of Identity Theft After a Data Breach

Recognizing the Signs of Identity Theft After a Data Breach

Data breaches have become increasingly common, exposing millions of consumers to the risk of identity theft. If your personal information has been compromised in a data breach, it’s important to stay vigilant and take proactive steps to protect yourself. Identity theft can lead to financial losses, credit damage, and even legal issues if someone uses

Common Errors in Student Loan Credit Reporting

Beware of Duplicate Balances: Common Errors in Student Loan Credit Reporting

When you check your credit report, the last thing you want to see is incorrect information. Unfortunately, errors in student loan credit reporting are more common than most borrowers realize. One significant issue that has caused headaches for consumers is the appearance of duplicate balances—when the same loan shows up multiple times, inflating your total

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