In legal terminology, Unfair, Deceptive or Abusive Acts and Practices (UDAAP) refers to illegal activity or practices intended to mislead consumers. If you believe that the company has engaged in this sort of activity, you may want to include these details in your FairShake claim.
The Fair Debt Collection Practices Act (FDCPA) is a federal law outlining unacceptable behavior from third-party debt collectors. There are rules of what they are allowed to do (and not do) that may affect your claim, so include details on any aggressive debt collection practices you’ve been subject to.For example, if you’ve experienced automated phone calls or harassing behavior from a debt collector, you are able to claim additional compensation in your claim.
Read more from the Consumer Financial Protection Bureau:
What is an “unfair” practice by a debt collector?
What is the Fair Debt Collections Act?
The Fair Credit Reporting Act (FCRA) regulates credit information collection and credit reporting. If your experience with a company has resulted in a negative impact on your credit score, you should include these details in your FairShake claim.
For example, if you’ve asked the company to correct an improper impact to your credit score and they haven’t, you are able to claim additional compensation in your claim.
Read more from the Consumer Financial Protection Bureau:
What is the Fair Credit Reporting Act?
(FCRA) examination procedures
The Ultimate Guide to Consumer Complaints
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