Inside South FloridaTrusted AdvisorsDemesmin and Dover


Navigating Your Rights: Understanding the Fair Credit Reporting Act

Posted at 1:34 PM, Mar 22, 2024
and last updated 2024-03-22 13:34:52-04

Disclaimer: This is sponsored content. All opinions and views are of the advertiser and does not reflect the same of WSFL-TV.

WSFL-TV trusted legal advisors, Demesmin and Dover, joined Inside South Florida and delved into the intricacies of the Fair Credit Reporting Act (FCRA) and provided valuable insights into protecting consumers' rights in the face of credit-related challenges.

Understanding the complex legal landscape surrounding credit reporting and debt collection, managing partner Jeremy Dover kicked off the discussion by highlighting key legislative frameworks designed to shield individuals from creditor harassment. He emphasized the significance of federal statutes like the FCRA and the Fair Debt Collection Practices Act (FDCPA), along with state regulations such as the Florida Consumer Collection Practices Act (CCPA), in safeguarding consumers from erroneous credit reporting and unfair debt collection practices.

Consumer attorney, Tracy Cabanis, elaborated on the primary provisions of the FCRA, emphasizing its role in ensuring the accuracy of consumers' personal information shared with lenders and other financial entities. Additionally, the role of credit bureaus in disseminating accurate credit information to facilitate credit extension processes was underscored.

Addressing a common concern among consumers, Jeremy shed light on accessing credit scores, advocating for the use of reliable platforms like to obtain comprehensive credit reports free of charge. He emphasized the critical importance of reviewing credit reports regularly to identify inaccuracies that could adversely impact creditworthiness.

In discussing legal remedies available to consumers facing credit reporting violations, Tracy emphasized the option to dispute inaccurate information on credit reports and highlighted the role of consumer attorneys in advocating for corrective action through investigations and potential legal recourse.

Providing a resource for those seeking further guidance, Jeremy and Tracy extended an invitation to contact Demesmin and Dover, emphasizing their commitment to assisting consumers with credit-related legal challenges at no cost to them. They reassured consumers that seeking legal assistance for credit disputes is accessible and does not impose financial burdens on individuals seeking resolution.

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This Inside South Florida segment is sponsored by WSFL-TV’s trusted legal advisors Demesmin and Dover.

Inside South Florida

10:49 AM, Jul 26, 2019

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