Consumer Protection Attorney

Outside of one’s family, health and close relationships, there is nothing that affects our daily lives more than our finances and credit situation.

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During the consultation, we will help you to understand your legal options and determine if we can assist you with your case.

You have nothing to lose, and everything to gain.

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Consumer pROTECTION

McCarty and Raburn is a consumer law firm that uses litigation to help consumers with credit reporting errors. Unlike so many other law firms, we limit our practice to the Fair Credit Reporting Act and Fair Debt Collection Practices Act cases. The Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) are federal statutes that deal with consumer protection. The FCRA regulates the Credit Reporting Agencies (CRA) and the companies that report data to them. The CRA’s are required to maintain policies and procedures to ensure consumer data is reported with maximum possible accuracy. It also requires the Credit Reporting Agencies to perform investigations when consumers, or their attorneys, alert them to inaccurate information on consumer credit reports. TransUnion, Equifax, Experian and LexusNexis are four of the largest Credit Reporting Agencies.

Our compassionate attorneys and staff at McCarty & Raburn will do our ethical best to help you recover for the adverse effects of credit reporting errors. We are here to help.

Our Glowing Client Reviews

Zavian

“Jonathan and Kyle were able to file a lawsuit on my behalf. And, amazingly, they walked me through the process and I was able to get a six-figure settlement. And I didn’t have to pay anything! Thanks again Jonathan and Kyle; you guys are amazing!” – Zavian

Michael

“I would like to thank Jonathan Raburn for taking my case on. Thank you, we came out a winner!” -Michael

37+ Years of Legal Experience

500+ Clients Supported and Counting

Strategic & Aggressive Representation

Skilled Litigators & Courtroom Credit Error Attorneys

About Us

What Sets McCarty & Raburn Apart

The three major credit reporting agencies produce credit reports and scores based on the information in a consumer’s credit file. Sometimes, information not belonging to you may appear on your credit report. This inaccurate information could include credit applications or denials not belonging to you, or the information could be more personal in nature, such as an inaccurate social security number or date of birth. Additionally, you might see collection accounts or credit cards on your credit report that do not belong to you.  Inaccurate information appearing on your credit report could imply an identity theft issue or that the consumer’s file has been mixed with that of another person. File mixing occurs when information that should appear on one consumer’s credit file is erroneously placed on the credit file of another consumer. Unfortunately, file mixing issues can be very difficult to correct and more common than you might think. One credit reporter estimates that up to six million Americans have mixed credit files. 

It is your responsibility to verify the accuracy of your credit report. You can do this by checking your credit report regularly. If you notice inaccurate information on your credit report, you should consider hiring an attorney. Consumers that have suffered damages because of a mixed credit file, have the right to make a claim for damages in Federal Court. Our law firm can help. With a combined 37 years of experience, our attorneys at McCarty & Raburn, A Consumer Law Firm, PLLC, have successfully represented victims of credit reporting errors.

We Litigate Inaccurate Information on Your Credit Report

Get a Free Copy of Your Credit Report

Due to the COVID-19 Pandemic, everyone in the United States is now entitled to one free credit report from each of the 3 credit reporting agencies per week. Annualcreditreport.com is a free website set up by the three major credit reporting agencies per the request of the federal government. McCarty & Raburn is not affiliated with this website in any way and cannot guarantee its security since we do not have any control over it.


*We are not affiliated with Annual Credit Report*

Credit Reporting Errors Can Be Life-Changing

An inaccuracy on your credit report could mean:


  • A Denied Mortgage Loan
  • A Denied Car Loan
  • Higher Loan Interest Rates
  • Inability to Get a Credit Card