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The work
Steketee Law Firm represents consumers when a credit file, a background report, or a debt collector gets the law wrong. The practice is the Fair Credit Reporting Act, the Fair Debt Collection Practices Act, and the duties that sit next to them.
The Fair Credit Reporting Act, 15 U.S.C. § 1681, governs consumer reports. That includes credit files, many background checks, and the companies that furnish information to the bureaus. Accuracy, disputes, and investigations are the center of it.
The Fair Debt Collection Practices Act, 15 U.S.C. § 1692, governs how covered debt collectors pursue consumer debts: what they may say, whom they may contact, and what they must disclose. It is not a statute about every original creditor.
A collection account is often a reporting problem and a collection problem at the same time. We read both. They are still different claims, and we say which ones fit the papers.
Identity-theft notations, mixed files, adverse-action notices, and furnishers who answer a dispute with a form letter are FCRA problems. A collector who will not identify the debt, who threatens what the statute does not allow, or who keeps calling after a proper dispute is an FDCPA problem. If another consumer-protection rule also applies, we will say so after we read the file. This site is the consumer-credit practice.
Accurate negative information can still be reported. A stressful collector is not automatically a lawsuit. The consultation is how that gets sorted.