Our institutional, industry, and litigation experience is crucial to our ability to help clients recognize and foresee potential problems, design and implement solutions, and develop rigorous policies and procedures; the latter are fundamental to avoiding exposure in the uncharted territories of the credit reporting area of law. Understanding the discrepancies between what was reported and furnished is also not trivial – it is a puzzle that requires expertise and proficiency to solve. We have both.
We have advised our clients on strategic risk management as pertains to their credit reporting obligations, and have been in the forefront of analyzing cutting-edge credit reporting issues relating to commercial damages, credit reporting bankruptcy proceedings, and pre-emption. We have handled hundreds of individual FCRA and CCRAA cases, as well as dozens of class action lawsuits, on credit reporting theories ranging from permissible purpose, firm offers of credit, furnisher re-investigation cases, and the intersection of the FCRA and federal bankruptcy laws. We have the judgment and foresight to recommend settlement when it is the most practical solution and to advocate litigation when defending a valid practice, policy, or procedure, will stave off frivolous lawsuits in the long run. We litigate, settle, and go to trial with equal tenacity.