Your Consumer Report.
Your FCRA Rights.
Your Recovery.
At Wells Law – Chicago, we help clients understand and protect their FCRA rights at every stage of the process, tailoring solutions to their unique needs. Whether you’re battling credit report errors, background check issues, or identity theft, we fight to correct mistakes and protect your financial reputation. If you’re ready to take action, get started today.
Litigation the Delivers Results
We’ve helped thousands of consumers obtain justice under the Fair Credit Reporting Act (FCRA)—not only fixing errors but also recovering maximum compensation. From false background checks costing someone a job to identity theft committed by a relative, we’ve seen it all. Every case is different, and we treat your FCRA rights with the personalized attention it deserves.
Tools to Protect Your Credit Standing
Knowledge is power. That’s why we share resources about your FCRA rights—from how to read your credit report to writing effective dispute letters—on our website and across our social media brand, The Consumer Edge. These step-by-step guides give you the tools to spot errors and start protecting your financial standing.
Credit Guidance Consultations
Not every situation calls for a lawsuit. Sometimes you just need clear direction on how to move forward—whether building credit before buying a home, or looking for a strategy to rebound after financial setbacks, Wells Law – Chicago offers fee-based consultations that provide personalized, actionable guidance. If you’d like to learn more about fees and availability, contact us today.
We Help with All Types of Credit Reports & Consumer Reports
While the "Big 3" Experian, Equifax & Trans Union comprise a big part of the consumer reporting industry, there are hundreds of consumer reporting agencies operating in the U.S. As many as 1,000+ when you include small, niche, and regional data brokers that meet the FCRA definition.
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Some of these consumer reports, also known as "specialty" consumer reports, include employment screening and background reports, banking history reports, tenant screening, and investigative reports. ​​​
These reports are used by employers when making hiring or promotion decisions. They may include information about a person’s prior work history, education, professional licenses, and criminal records. Errors in these reports can cost people job opportunities, professional credentials, or security clearances.
These reports are used by banks and merchants to assess financial risk. They may include information about prior account closures, returned or unpaid checks, suspected fraud activity, and overdraft patterns. Inaccurate reporting can result in bank account denials, frozen funds, or rejected payments.
Tenant screening reports are used by landlords and property managers when evaluating rental applications. They often contain rental history, eviction records, payment performance, and sometimes credit or criminal information. Inaccurate or outdated information can result in unfair housing denials or higher security deposits.
Investigative consumer reports go beyond standard database searches and may include information about a person’s reputation, character, or lifestyle. They are often based in part on personal interviews with neighbors, coworkers, or associates. These reports are commonly used for sensitive employment, security clearance, or insurance decisions and are subject to special notice and consent requirements under federal law.
These reports track a consumer’s prior insurance claims and loss history and are frequently used by insurers when underwriting or pricing policies. They may include information about past property damage claims, auto accidents, or other insured losses. Errors can lead to higher premiums, policy non-renewals, or denial of coverage.