Baltimore Fair Credit Reporting Act
Put Years of Experience in the Courtroom to Work for You

With a unique legal background, Mr. Emejuru brings a fresher perspective and different type of experience to the table for his clients. See how he can help you.

Baltimore Fair Credit Reporting Act (FCRA) Support

At Emejuru Law, we are passionate advocates for the rights of employees in Baltimore and across the nation. Our extensive experience includes navigating the intricacies of the Fair Credit Reporting Act (FCRA), a pivotal federal law that governs the use and dissemination of consumer credit information. We offer robust legal services designed to shield individuals from invasions of their privacy, ensuring their rights are vigorously protected against any FCRA violations.

Understanding the Fair Credit Reporting Act (FCRA)

The Fair Credit Reporting Act (FCRA) is an important federal law that plays a significant role in protecting the privacy and accuracy of consumer information. Enacted to ensure that consumer reporting agencies (CRAs) handle your personal data responsibly, the FCRA mandates transparency in how credit information is collected, shared, and used. Information regarding your bill payments, loan histories, and even legal actions like lawsuits or bankruptcies are all included in your credit report. By regulating these practices, the FCRA aims to prevent misuse of personal information, promoting fairness and privacy in the marketplace.

Call (240) 607-5552 or contact us online to schedule a consultation with our Baltimore Fair Credit Reporting Act support team. We speak Spanish upon request.

  • Working Hard To Get The Results You Need

    Get in touch with our team today to learn more about how we can help protect your rights.


  • “I honestly don't know where to start. Ike is AMAZING & definitely DEDICATED. I was so nervous regarding my case not knowing which way to turn. I'm so glad I decided to reach out to this firm.”
    Former Client
  • “After being terminated from my job after an injury on-sight, I need someone to step up on my behalf. Ike and his partner Andrew did that and more.”
    Previous Client
  • “Ike won our case and while doing so, kept us well informed of what was going on and kept us encouraged to continue through the end.”
    Previous Client

Common Violations of the FCRA

Despite the comprehensive safeguards provided by the Fair Credit Reporting Act (FCRA), violations are not uncommon and can have serious repercussions for consumers. Understanding these common infractions is vital for recognizing when your rights have been infringed upon and taking necessary legal action. 

Here are some typical violations of the FCRA:

  • Failure to obtain proper consent: Before conducting a background check, employers must obtain written consent from the individual. This disclosure must be clear and conspicuous, typically in a document that stands alone from other employment materials. A common violation occurs when employers fail to provide this notice or include it alongside other documents, diluting its importance.
  • Insufficient disclosure: Employers must inform applicants that their credit information will be used as part of the hiring process. This disclosure must explicitly state that the report may affect employment decisions, and should be provided before the report is obtained. Violations occur when this information is not clearly communicated.
  • Inaccurate information reporting: Consumer Reporting Agencies (CRAs) are responsible for ensuring the accuracy of the data they compile and distribute. Errors in credit reports, such as incorrect account information, outdated data, or mistaken identity issues, can significantly impact a consumer's financial standing. These inaccuracies are a direct violation of the FCRA.
  • Failure to provide pre-adverse action notices: If an employer decides to take adverse action (e.g., not hiring an applicant) based on information in a consumer report, they must first provide a pre-adverse action notice. This notice should include a copy of the report and a summary of the consumer’s rights under the FCRA, allowing the individual to dispute inaccuracies. Failure to do so constitutes a violation.
  • Failure to provide adverse action notices: After taking adverse action, an employer must send an adverse action notice, which includes specific information such as the name and contact details of the CRA that provided the report, a statement that the CRA did not make the decision, and the consumer’s right to dispute the report. Neglecting this step is another common violation.
  • Unauthorized use of consumer reports: Employers and other entities must have a permissible purpose for obtaining and using a consumer report. Using these reports without a legitimate reason or beyond the scope of what was disclosed to the consumer is an infringement of the FCRA.
  • Lack of reasonable reinvestigation: When a consumer disputes information in their credit report, CRAs are required to conduct a reasonable reinvestigation into the claim. A failure to properly investigate and correct any errors within 30 days is considered a violation.
  • Improper data sharing: The FCRA imposes strict limitations on who can access your credit information and under what circumstances. Unauthorized sharing of your credit data with third parties without your explicit consent breaches the FCRA's privacy protections.

Understanding these violations helps consumers recognize when their rights have been compromised and underscores the importance of legal recourse. Emejuru Law is dedicated to assisting individuals in identifying these breaches and pursuing appropriate actions to ensure their rights are protected and upheld.


How Emejuru Law Can Protect Your Rights

At Emejuru Law, we are dedicated to protecting your rights under the Fair Credit Reporting Act (FCRA). Our experienced attorney offers dedicated legal services to address and rectify FCRA violations. 

Our attorney provides a range of services, including:

  • Assessment of rights violations: We thoroughly examine your situation to determine if your rights under the FCRA have been violated.
  • Detailed case analysis: Our team reviews all relevant documents, consumer reports, and employer communications to identify any breaches.
  • Filing lawsuits: If a violation is identified, we can initiate legal action against companies that have breached FCRA regulations.
  • Court representation: Our attorney will represent you in court, presenting a compelling case to ensure your rights are upheld.
  • Settlement negotiations: We work to negotiate settlements with offending parties, aiming to secure favorable terms that address the harm caused by FCRA violations.
  • Damage rectification: Our goal is to rectify any damages you have suffered, whether they are financial, reputational, or emotional.
  • Compensation claims: We diligently pursue compensation for any harm resulting from FCRA violations, including financial losses and emotional distress.
  • Maximizing recoveries: Our team strives to maximize your compensation, ensuring that justice is served.
  • Privacy protection: We prioritize safeguarding your privacy and consumer rights throughout the legal process.
  • Legal support: Our attorney provides sound legal guidance and support, helping clients confidently navigate the complexities of FCRA-related issues.

By choosing Emejuru Law, you gain a dedicated partner committed to fighting for your rights and achieving the best possible outcome. Contact us today for a free consultation if you believe your Fair Credit Reporting Act rights have been violated. 

  • ABAJournal
  • The New York Times
  • CNN
  • New York Business Journal
  • Law360
  • GeekWire


What You Can Expect with Us
  • Hundreds of Cases Resolved
    Mr. Emejuru has taken hundreds of cases to trial, consistently showing that he puts in the effort to seek justice for the common man.
  • Extensive Courtroom Experience
    Given his experience taking civil rights and employment cases to federal courts, Mr. Emejuru has the composed confidence paired with the aggressive litigation skills you need on your side.
  • Strategic Knowledge
    A good legal strategy is the most important part of any case. Regardless of the circumstances, Mr. Emejuru will do whatever it takes to seek the best strategy and help his clients.
  • Over 10 Years of Legal Experience
    With his unique work history spanning over 10 years, Mr. Emejuru brings a fresh perspective to your courts and providing an advantage in seeking optimal results.

Contact Emejuru Law Today for FCRA Support

If you suspect that an employer or any other entity has violated your rights under the Fair Credit Reporting Act, it is imperative to act swiftly. Our Baltimore Fair Credit Reporting Act attorney at Emejuru Law is ready to provide a free consultation to discuss your case. With our experience and knowledge, you can confidently address any FCRA-related concern, ensuring your rights are protected and any damages appropriately compensated. Call (240) 607-5552 or contact us online to schedule a consultation regarding Fair Credit Reporting Act violations in Baltimore.


Schedule Your Consultation
  • Please enter your first name.
  • Please enter your last name.
  • Please enter your phone number.
    This isn't a valid phone number.
  • Please enter your email address.
    This isn't a valid email address.
  • Please make a selection.
  • Please enter a message.
  • By submitting, you agree to be contacted about your request & other information using automated technology. Message frequency varies. Msg & data rates may apply. Text STOP to cancel. Acceptable Use Policy