Q: Looking for a lawyer for a fraud dispute I filed with Al. Vantage/ the program
I filed a dispute for 7000$ with Al Vantage along with a police report and a warrant was issued on the person who fraudulently used my debit number. Most of which was used western union where identification had to b shown. Al Vantage claims they did investigation and determined no fraud.. I need a lawyer to help me with this case
A: You may have a claim under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act ( F.D.C.P.A.) You should gather up all of the documents, correspondence and any other evidence you have concerning this transaction. A lawyer will need to determine if there is enough evidence to proceed with a case against the company who accepted the false information. If there is evidence that they reported your account delinquent to the credit bureau after being notified of a valid theft of your identity, or if they refused to remove the entry from your credit report(s), they may be liable under the Fair Credit Reporting Act. If a third party collection agency engaged in collection activity with proof ( evidence) that they knew this was not your account, they may be liable up to $1,000.00 per offense plus your attorney fees under the F.D.C.P.A. There may be other common law tort claims, or a claim for breach of contract if there is sufficient evidence.
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