# NJConsumer.com

> Noah Kane, Esq. — Kane Law Firm, LLC. A New Jersey consumer-rights law practice representing consumers against banks, credit bureaus, debt collectors, background check companies, and large companies under the FCRA, FCBA, EFTA, TILA, FDCPA, TCPA, and the New Jersey Consumer Fraud Act. Free case review; contingency fees.

## Pages

- [Home](/): Practice overview, founder, and free case review.
- [FCRA Attorney](/fcra-attorney): Suing the credit bureaus and furnishers for credit report errors under the Fair Credit Reporting Act.
- [Chargeback Attorney](/chargeback-attorney): Disputed credit and debit card charges, wrongful denials, and merchant refund refusals under TILA, FCBA, and EFTA/Reg E.
- [Background Check Attorney](/background-check-attorney): National FCRA representation against Checkr, HireRight, Sterling, RealPage, SafeRent, SambaSafety, and the employers and platforms that use them.
- [Debt Settlement Lawsuit](/debt-settlement-lawsuit): For-profit debt settlement is illegal in New Jersey — recover treble damages under the NJ Consumer Fraud Act.
- [Maryland FCRA Attorney](/maryland-fcra-attorney): FCRA representation for Maryland consumers.
- [Areas We Serve](/areas-we-serve): FCRA representation in every county across New Jersey and New York.
- [FAQ](/faq): Plain-English answers, organized by bank and credit bureau, with the federal statute behind each answer.
- [Background Check FAQ](/background-check-faq): Company-by-company FAQ on FCRA rights against background check and tenant screening companies.
- [Consumer Reporting Agencies Directory](/resources/consumer-reporting-agencies): 2026 directory of every major CRA covered by the FCRA and the errors consumers see on each.
- [Blog](/blog): Guides on credit reports, billing disputes, debt collection, background checks, and identity theft.
- [Privacy Policy](/privacy-policy)
- [Terms of Use](/terms-of-use)

## Blog

- [Can I sue for credit report errors? FCRA explained](/blog/credit-report-errors-fcra): What counts as an FCRA violation and the damages you can recover.
- [Bank denied your dispute? Your next move](/blog/bank-denied-your-dispute): What to do after a wrongful chargeback or billing-error denial.
- [My bank won't refund an unauthorized charge](/blog/bank-wont-refund-unauthorized-charge): EFTA and Regulation E remedies for unauthorized debit and ACH transactions.
- [Someone opened a credit card in my name](/blog/someone-opened-credit-card-in-my-name): Identity theft playbook and FCRA claims.
- [Mixed credit file: someone else's accounts on my report](/blog/mixed-credit-file-fcra): One of the strongest FCRA cases in consumer law.
- [How to remove a charge-off from your credit report](/blog/remove-charge-off-credit-report): Disputes and the lawsuit lurking inside them.
- [Paid collection still showing on credit report](/blog/paid-collection-still-on-credit-report): Forcing the bureaus to update.
- [Debt collector calling about a debt that isn't mine](/blog/debt-collector-calling-not-my-debt): FDCPA rights against wrong-debt collection.
- [How long does a bank have to investigate a dispute?](/blog/how-long-bank-investigate-dispute): Federal deadlines under FCBA and Regulation E.
- [How to dispute a credit card charge (and sue if denied)](/blog/how-to-dispute-a-credit-card-charge): Step-by-step dispute walkthrough.
- [Merchant refused your refund? Your legal options](/blog/merchant-refused-refund): State consumer-protection remedies including treble damages.
- [What is a 1681i dispute letter? (with template)](/blog/what-is-1681i-dispute-letter): The letter that creates real legal leverage.
- [SambaSafety driving record errors](/blog/sambasafety-driving-record-errors): MVR errors, CDL jobs, and FCRA rights.
- [Checkr background check errors](/blog/checkr-background-check-errors): Disputing Checkr reports used by Uber, DoorDash, and Instacart.
- [Spokeo and BeenVerified FCRA lawsuits](/blog/people-search-sites-fcra): When people-search sites cross the FCRA line.
- [How far back does a background check go — NJ & MD](/blog/background-check-how-far-back-nj-md): 7-year FCRA rule and state protections.
- [ChexSystems & Early Warning denied bank account](/blog/chexsystems-early-warning-denied-bank-account): FCRA remedies for wrongful banking denials.
- [TransUnion SmartMove tenant screening errors](/blog/transunion-smartmove-tenant-screening-errors): Disputing SmartMove and suing under the FCRA.