I have dedicated my practice exclusively to the representation of consumers and individuals harmed by businesses and government. Our practice focuses on consumer protection and civil rights litigation.
Jurisdictions Admitted to Practice
Michigan
Since 1992
4th Circuit
6th Circuit
Since 2001
Professional Experience
Current
National Associate of Consumer Advocates
Chair Person, Board Member
Education
1987 - 1992
University of Detroit Mercy School of Law
J.D. (1992)
Honors: Suma Cum Laude Deans List
Awards
year - Ian B. Lyngklip
Advocate of the Year
National Association of Consumer Advocates
Contacts
418 N. Main Street Suite 200 Royal Oak MI 48067Telephone: (248) 208-8864
Many victims of identity theft are frustrated and confused about how to fix their credit reports and stop debt collectors. Some turn to bankruptcy as the solution. In this video, Ian Lyngklip explain how bankruptcy may not be the solution you are looking for and may cause more harm than good. For more information about credit reporting, see https://ConsumerLawyers.com.
Wondering how to prove stolen identity? In this video, you'll learn how to get identity theft evidence from banks and finance companies that opened fraud accounts for the identity thief.
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Connect With Us: Email: info@ConsumerLawyers.com Website: https://consumerlawyers.com/ Facebook: https://www.facebook.com/MichiganConsumerLawCenter/ Twitter:https://twitter.com/MIConsumerLaw
How To Know If An Employer Pulled Your Credit Report Or Background Check – MI Attorney Ian Lyngklip
Listen as Ian Lyngklip describes how to tell if an employer has pulled a background check on you or if they have pulled your credit report.
If you've applied for a job, you know that many employers require you to submit to a background check before they hire you. The employer must first obtain your permission to run a background check or credit report.
If you suspect that an employer unlawfully ran a background check on you, or that the contents of such a report may have been used against you without your knowledge, then there are steps you can take. First, you need to pull all of your major credit reports. There is a section called inquiries on these reports. This section will tell you who has accessed your credit or background reports in the preceding two years.
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If you have questions about how to get your credit report, you can visit my website at http://www.ConsumerLawyers.com. On that website, we have a series of letters that you can use to order your major credit reports and to determine whether someone ordered a background check on you. Watch the video to learn more.
If you have additional questions about your rights in relation to background checks and credit reports, I want you to call me at area code 248 208-8864. I welcome your call. Visit our educational website at http://www.ConsumerLawyers.com, where you can view more videos and media content from our law firm.
In today's video, you're going to learn why credit reporting agencies may report you as dead & what you can do about it when this happens!
Listen as Ian Lyngklip explains what to do when your credit report shows that you are deceased.
If you've been reported as deceased on your credit report, then you will come across problems when buying a home or applying for a line of credit. This is because you cannot have a credit score if you are reported as dead. If you have no credit score then you have no credit and obtaining loans will become difficult. There are three common ways that you may be incorrectly reported as deceased on your credit report, and there are steps you can take to resolve this.
The main fault will lie with the Social Security Administration if your credit report shows you as deceased or with the credit agency if just one line of credit is reporting you as deceased. There are necessary steps that you need to take to prove that you are alive. The first step is to dispute your misreported death directly to the credit reporting agency by writing a letter. You need to include proof of address and proof of life such as a photo of you holding a current newspaper.
When you send in those documents, you need to send them by certified mail, return receipt request. Make sure you keep the receipt and your copy of the dispute letter for your records. If these steps don't work, it may be time for you to seek an attorney. Watch the video to learn more.
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If you're watching this video right now, you've probably had questions. If you still have questions about what to do when you're reported as dead by a credit reporting agency, I welcome your call.
Three Reasons a Deleted Account Can Appear On A Credit Report – MI Consumer Lawyer Ian Lyngklip http://www.ConsumerLawyers.com (248) 208-8864 Listen as Ian Lyngklip explains the reasons a deleted account may appear on a credit report.
There are three main reasons why a deleted account could appear on a credit report. First, you must understand how credit reporting agencies recognize accounts when they come in. These accounts have two separate codes. One is called a subscriber code, and the other is called an account number.
It’s the combination of these two numbers that allows a credit reporting agency to recognize the account when it is reported by a creditor. One problem that you could encounter is that these two numbers may change in relation to an account from which you’ve been deleted, causing the credit reporting agency to not recognize it when it comes in.
There are a couple of ways that this can happen. The first is if the credit card company changes the account number. The second way is the transfer of servicing of an account. A third way this could happen is that the debt can be transferred to a debt collector. Watch the video to learn more.
If you have additional questions about the reasons why a deleted account can appear on a credit report, or if you have had a related problem with your credit report, I want you to call me at (248) 208-8864. I welcome your call. Visit our firm's educational website at http://www.ConsumerLawyers.com, where you can view more videos and media content from our law firm.
Lyngklip & Associates Consumer Law Center, PLC 24500 Northwestern Highway Ste. 206, Southfield, MI 48075 http://www.ConsumerLawyers.com (248) 208-8864
