Consumer Attorneys PLLC

Focus and practice areas

The firm works on one side of the consumer economy: the disputes that arise when a report, a file, or a collection effort records a person's information incorrectly. Consumer Attorneys PLLC handles credit report errors, mixed credit files where two people's records blur together, and wrongful notations that mark a living person as deceased. It also takes on employment background check errors, tenant screening report errors, and insurance background check errors.

The firm also handles identity theft and fraud recovery, along with debt collection harassment. These are the kinds of problems that surface at the worst moments, such as a denied lease application or a job offer withdrawn after a screening report. In my opinion, grouping them within one consumer protection focus makes sense, because the same federal laws and the same three credit bureaus tend to appear across all of them.

The federal laws the cases rely on

The firm brings claims under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. It also cites the Fair Credit Billing Act and the Electronic Fund Transfer Act on its pages about identity theft and related disputes. Each statute covers a different corner of the same territory.

The FCRA governs how credit and screening reports are compiled and corrected. The FDCPA sets limits on how debt collectors may contact and pressure people. The Fair Credit Billing Act deals with disputed charges on open-end credit accounts, and the Electronic Fund Transfer Act covers unauthorized electronic transactions, which is why both come up in identity theft matters. A single fraud can trigger more than one of these laws at once.

How these disputes usually move

Credit reporting claims under the FCRA generally start with a written dispute to the credit bureau, which then has a set window to reinvestigate and correct or verify the item. When an error stays on the report after that step, the statute opens the door to a lawsuit. Background check and tenant screening cases follow a similar path, since screening companies count as reporting agencies under the same law.

Debt collection matters under the FDCPA turn on how a collector behaves: repeated calls, false statements, or contact after a written request to stop. Identity theft recovery often runs on two tracks at once, one to clean up the credit file and one to address the underlying fraud. As a reviewer, I read the firm's page list as a map of the procedures a client might encounter.

The errors the firm targets

Credit report errors cover a wide range, and the firm names several distinct types. A mixed credit file happens when a bureau merges the records of two different people, often those who share a name or a similar Social Security number. The result can be another person's late payments or debts showing up on an otherwise clean report.

A wrongful deceased notation is narrower and stranger. A living person's file gets flagged as belonging to someone who has died, which can freeze credit access until the record is corrected. The firm lists this as its own category, separate from general credit errors.

Background and screening reports

Employment background check errors, tenant screening report errors, and insurance background check errors share a common thread. In each, a third party pulls a report to make a decision, and a mistake in that report can cost a job, an apartment, or a policy. Under the FCRA, the companies that produce these reports carry duties to keep the information accurate, and consumers can act when they fall short.

Identity theft and fraud recovery covers the fallout when someone else uses a person's information to open accounts or run up charges. The cleanup usually means placing fraud alerts, filing reports, and forcing corrections at each bureau that carries the bad data. The firm handles this as a standing category alongside its credit work.

Debt collection harassment, the last named area, deals with collectors who cross the lines the FDCPA draws. The law limits when and how often a collector may call, what it may say, and whether it may keep contacting someone who has asked in writing for it to stop. Together these areas track the everyday points where a consumer's record meets a company's decision.

How the firm is led

Daniel Cohen, Esq., founded Consumer Attorneys in New York in 2017. The site states he started it after watching the same companies repeat the same errors without facing real consequences. That origin explains the narrow subject matter, since the firm grew out of a specific frustration with credit and reporting mistakes.

Moshe Boroosan, Esq., is listed as Managing Partner. The About page names him alongside Cohen as the firm's leadership. Between them, the two partners head a firm that has kept a single focus since 2017.

Where the firm operates

Consumer Attorneys is headquartered in New York City and keeps offices in Phoenix, Arizona, and Atlanta, Georgia. The firm represents clients across the United States, which fits the subject matter, because credit bureaus and national screening companies operate the same way in every state. A consumer in one state often deals with a reporting agency based in another.

That national reach shapes how the work meets people. Federal consumer statutes apply uniformly, so a firm handling FCRA and FDCPA claims can take cases well beyond the three cities where it keeps offices. The three locations give it a presence on the East Coast and in the Southwest.

For someone comparing firms, the office locations matter less than the statutes, because the claims are federal. What the three offices signal is capacity to meet clients in more than one region. The firm represents clients nationwide, so distance from an office is rarely the deciding factor in this kind of work.

What the record shows

The site states that the firm has recovered more than $150 million for clients since 2017 and has worked with more than 10,000 clients nationwide. Those are the firm's own figures, presented on its home and About pages. Figures like these describe past results across many matters, and in this kind of litigation each case turns on its own facts.

The billing model follows the statutes. Because the FCRA and FDCPA shift fees to the losing defendant, the firm works on a contingency basis. Clients in these cases are often individuals, and the statutes were written so that they could afford counsel when a company gets their record wrong. The site ties the contingency model directly to those laws.