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Welcome to our mini-site! This site gives useful information about consumer law in Oregon. To find out more about consumer law and bankrutpcy in Oregon, please visit our main website at www.baxterlaw.com.
This information is provided by the consumer lawyers of the Consumer Litigation Group of Baxter & Baxter, LLP, a Portland, Oregon consumer litigation law firm, specializing in false credit reporting and unlawful debt collection cases.
Credit Reporting Cases
Baxter & Baxter -- Fair Credit Reporting Attorneys
Baxter & Baxter, LLP, is committed to working with consumers to ensure that their credit reports are accurate and current. We offer a range of services relating to credit reporting problems, including disputing inaccurate and obsolete credit information in credit reports, as well as consumer litigation for impermissible access of credit reports and failure of credit reporting agencies to remove inaccurate or obsolete credit information from your credit report.
False Credit Reports
The exponential rise in the use of consumer credit, and the increase in consumers with complaints about their credit reports has focused much attention and concern on consumer credit reports. The credit reporting industry, including the credit bureaus or credit reporting agencies, the credit grantors, and the credit information providers, are subject to their own federal statute, the Fair Credit Reporting Act.
Identity Theft
With the advent of Internet e-commerce has come a growing awareness of credit identity theft. However, the fraudulent use of identifying information is not new. Consumers should certainly be very cautious about giving out credit card account numbers and other identifying information over the Web, but there are many other places criminals can obtain information about you. For example, some credit thieves steal mail from mailboxes, including checks sent out to pay bills, as well as credit card applications. Credit thieves can also obtain information from you by going through your garbage, such as bank and credit card statements. Some credit thieves are quite innovative -- in Oregon, a department store employee was arrested for using a credit card reader to scan customers' credit card accounts into her laptop.
Credit Reporting Problems
In spite of the nightly news coverage of credit identity theft, credit reporting problems can often be much more mundane. For example, a "merged" credit file can occur when two individuals have very similar identifying information. An easy example of a merged file is a father and son with the same first and last name. More often, however, it is not so simple. For example, John A. Smith's credit accounts (or "tradelines") may be reported onto John B. Smith's credit report. Sometimes, there is even less rhyme or reason to these errors. Credit reporting agencies use complex computer algorithms to attempt to match consumers with credit information from many different sources, and errors are not uncommon.
Obsolete Credit Information
In addition to inaccurate information, certain information which is deemed to be "obsolete" also may not be reported. In general, credit information which is over seven years old is obsolete under the Fair Credit Reporting Act. Bankruptcy can be reported for ten years.
If you require legal representation or advice about false credit reports, debt collector harassment, and other Oregon consumer law problems
, please contact the Oregon consumer lawyers of Baxter & Baxter, LLP.
Consumer Protection Websites in Oregon
Credit Reporting Problem Websites
Debt Collection Abuse and Harassment Websites
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Contact Us
Baxter & Baxter, LLP
Consumer Litigation Group
8835 S.W. Canyon Ln., Ste. 130
Portland, Oregon 97225
Telephone (503) 297-9031
Facsimile (503) 297-9031
www.baxterlaw.com
This is an informational website
about certain areas of consumer law in Oregon, presented by the Oregon consumer lawyers of Baxter & Baxter, LLP.*
The consumer attorneys of Baxter & Baxter, LLP, are frequently contacted by media outlets seeking comment or background on breaking news stories involving identity theft, credit reporting, unlawful debt collection, and other consumer issues. Media inquiries can be directed to Justin Baxter at (503) 297-9031.
* The information provided on this website is intended as general information for the public and for advertising purposes. It is not intended as legal advice. If you believe you need legal representation or advice, please contact the Oregon consumer attorneys of Baxter & Baxter, LLP.
Information about Consumer Law in Oregon
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