Colorado Consumer Protection Attorneys

Talk With Us Today

Colorado Springs

(719) 309-3000

Grand Junction

(970) 287-1173

Consumer Law Experts Fighting for You

Consumers across Colorado rely on accurate financial reporting, secure electronic banking systems, and safe housing. When companies, financial institutions, or landlords fail to meet these obligations, the consequences can affect your credit, finances, and daily life. Federal and state consumer protection laws exist to hold these entities accountable and to provide individuals with a path to correct errors and recover losses where appropriate.

Ramos Law represents individuals throughout Colorado in consumer protection matters involving credit reporting issues, unauthorized electronic fund transfers from personal bank accounts, and housing-related concerns such as bed bug infestations. Our consumer protection practice is led by Matthew Osborne, Director of Consumer Protection, with a focus on cases arising under federal statutes including the Fair Credit Reporting Act (FCRA) and the Electronic Fund Transfer Act (EFTA).


Our Consumer Protection Services

  • Fair Credit Reporting Act (FCRA) Claims
    We represent individuals dealing with inaccurate, incomplete, or improperly reported information on their credit reports. This includes mixed file issues, incorrect account reporting, and failures to correct known errors after disputes.
  • Credit Report Mixed File Cases
    When your credit file is combined with another person’s information, it can result in accounts, debts, or negative marks that do not belong to you. We help address and investigate these complex reporting errors.
  • False or Inaccurate Background Checks
    Background reports used by employers or landlords must be accurate. We handle cases involving incorrect criminal or financial information that may impact employment or housing opportunities.
  • Electronic Fund Transfer Act (EFTA) Claims – Personal Accounts Only
    We assist individuals with unauthorized electronic transfers from personal bank accounts, including debit card fraud, unauthorized withdrawals, and electronic payment errors.
  • Bed Bug Claims and Habitability Issues
    We work with tenants facing ongoing bed bug infestations or unsafe living conditions where landlords or property managers fail to take appropriate action. These matters may involve consumer protection and habitability-related considerations.

Why Choose Ramos Law?

Consumer protection cases often involve detailed records, federal regulations, and large institutions. Ramos Law approaches these matters with a focus on clarity, preparation, and accountability.

  • Focused Consumer Protection Practice
    Our team handles cases involving federal consumer protection laws, including the FCRA and EFTA, with attention to the specific facts of each claim.
  • Led by Dedicated Leadership
    Our consumer protection work is directed by Matthew Osborne, who focuses on credit reporting and electronic banking-related claims.
  • Client-Centered Communication
    We prioritize clear communication so clients understand the process, their rights, and the steps involved in pursuing a claim.
  • Statewide Representation
    We represent clients across Colorado, providing consistent guidance regardless of location.
  • Fact-Driven Approach
    Each case is evaluated based on documentation, reporting history, and applicable law, without assumptions or unsupported claims.

Consumer Law Frequently Asked Questions

You can dispute mixed file errors with the credit reporting agency and, if necessary, seek legal assistance to ensure your credit report is correct. If you cannot resolve the issue with the credit reporting agency, you can seek assistance from a consumer law attorney.

Evidence of bad faith can include a lack of investigation, unreasonable delays, or denial of valid claims. Consult an attorney to help you gather and present evidence.

If a credit reporting agency fails to correct errors after a dispute, you may have a legal claim against them, and you could be entitled to damages. Consult a consumer rights attorney to discuss your options.

You can request a copy of your background check from potential employers and dispute any inaccuracies. You may also file a complaint with the Equal Employment Opportunity Commission (EEOC) if you believe you have been discriminated against based on inaccurate information in your background check. Seeking legal assistance can protect your rights and ensure fair employment practices.

Our Colorado Locations

Law Firm Locations

999 Jasmine St, #200
Denver, CO 80220

Call: (303) 214-7927

500 E. Hampden Ave.
Denver, CO 80224

Call: (720) 580-8333

6892 S. Yosemite Court, Suite 1-201 Centennial, CO 80112

Call: (720) 580-8311

8610 Explorer Dr., Suite 100
Colorado Springs, CO 80920

Call: (719) 309-3000

319 Colorado Ave
Grand Junction, CO 81501

Call: (970) 287-1173

10190 Bannock Street Suite 200
Northglenn, CO 80260

Call: (303) 733-6353

4765 Independence Street Suite: A,
Wheat Ridge, CO 80033

Call: (303) 406-4540

11705 Airport Way, #200
Broomfield, CO 80021

Call: (303) 466-3200

3553 Clydesdale Pkwy, Suite 220 Loveland, CO 80538

Call: (970) 480-9738

Related Posts

Consumer Law Experts Fighting for You

Consumers across Colorado rely on accurate financial reporting, secure electronic banking systems, and safe housing. When companies, financial institutions, or landlords fail to meet these obligations, the consequences can affect your credit, finances, and daily life. Federal and state consumer protection laws exist to hold these entities accountable and to provide individuals with a path to correct errors and recover losses where appropriate.

Ramos Law represents individuals throughout Colorado in consumer protection matters involving credit reporting issues, unauthorized electronic fund transfers from personal bank accounts, and housing-related concerns such as bed bug infestations. Our consumer protection practice is led by Matthew Osborne, Director of Consumer Protection, with a focus on cases arising under federal statutes including the Fair Credit Reporting Act (FCRA) and the Electronic Fund Transfer Act (EFTA).


Testimonials

ExcellentTrustindex star 1Trustindex star 2Trustindex star 3Trustindex star 4Trustindex star 5.0.74.71429 reviews
4.7Trustindex star 1Trustindex star 2Trustindex star 3Trustindex star 4Trustindex star 5.0.7
Excellent1429 reviews
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Aida Clemente profile picture
Aida Clemente
1 days ago
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Ronald es muy amable y nos ayudó mucho a mi pareja y ami
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Julian sanchez profile picture
Julian sanchez
1 days ago
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No tengo más que palabras de agradecimiento por el trabajo que hicieron con mi caso. Tuve un accidente complicado y el proceso parecía estresante, pero ellos se encargaron de todo con un profesionalismo increíble. Siempre me mantuvieron informado y al final lograron un resultado que superó mis expectativas. Definitivamente el mejor equipo legal que pude haber contratado. Totalmente recomendados
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Emmy Romero profile picture
Emmy Romero
1 days ago
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Tuve un desafortunado accidente, teniendo gastos medicos, durante meses luché con la compañía de seguros de la persona responsable que me chocó, sin obtener ninguna respuesta a mi favor Acudí a Ramos Law Y mi principal persona de contacto fue la paralegal Ashley Narvaez, desde el primer momento Ashley me brindó un trato muy profesional y estuvo pendiente de mi situación siempre respondiendo con paciencia Gracias a la abogada Emely McCurley por su dedicación y esfuerzo mi caso tuvo un resultado favorable. Recomiendo ampliamente sus servicios a cualquier persona que esté pasando por una situación similar. Muchas gracias por todo el apoyo, son un excelente equipo!
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Angie Valdez profile picture
Angie Valdez
1 days ago
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Excellent service and dedication to their clients. They went above and beyond for me, and I am so thankful and thoroughly impressed with all of the hard work done by the team at Ramos Law, particularly Mr. Brian Calandra. Highly recommended!
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Angie Valdez profile picture
Angie Valdez
1 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Excellent service and dedication to their clients. They went above and beyond for me, and I am so thankful and thoroughly impressed with all of the hard work done by the team at Ramos Law, particularly Mr. Brian Calandra. Highly recommended!
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Angie Valdez profile picture
Angie Valdez
1 days ago
Google star 1Google star 2Google star 3Google star 4Google star 5Trustindex verifies that the original source of the review is Google.
Excellent service and dedication to their clients. They went above and beyond for me, and I am so thankful and thoroughly impressed with all of the hard work done by the team at Ramos Law, particularly Mr. Brian Calandra. Highly recommended!
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Christina Rayot profile picture
Christina Rayot
1 days ago
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Jonathan, Shanna, and Jodi were extremely helpful in getting my case settled and I truly value their work ethic, attention to detail, and support during this difficult time. Highly recommend.
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Amber Arnavat profile picture
Amber Arnavat
1 days ago
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Ronald, your in take specialist was absolutely amazing. He was very professional while keeping it personal as well. He made me feel so comfortable and heard while giving me advice and information to my hundreds of questions. If I could give him a rating 100/10, I absolutely would. Thank you Ronald for making this so much better of an experience than I was expecting.
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Ana Isabel Morales profile picture
Ana Isabel Morales
4 days ago
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When the most difficult times arrive without warning, not knowing what to do or where to start. And it was that by recommendation we found Ramos law office, they were respectful of our pain, understanding, patient and with great care they handled our case, they solved our doubts and managed to win in our favor the best possible. Thank you lawyer Adam, and his team, it was a blessing to have him close to us when passing through this process time and leaving with light on the end, your kindness will never be forgotten.
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M K profile picture
M K
4 days ago
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Caitlin and Marianne are exactly what is normally expected but many times not the reality in a legal team, and then much more. They are professional, they communicate very well, they are personable, and work on getting results. I’m very impressed with their work ethic and the way they handle things.
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Lauli Nave profile picture
Lauli Nave
4 days ago
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Some cases are simply cases. Others become a chapter of your life. My experience with Ramos Law and my attorney, Ross Iakovakis, was anything but an ordinary case. Following my accident, I faced an extremely difficult and complicated journey that involved multiple surgeries, significant injuries, and the added complexity of pre-existing conditions. There were twists, turns, unexpected challenges, and more than a few moments when the path forward was anything but clear. Through all of it, Ross and the team at Ramos Law never lost sight of the person behind the case. They handled every challenge with dignity, precision, patience, and professionalism. They listened. They paid attention to the details. They understood that this wasn’t simply about paperwork or numbers—it was about my life, my future, and the impact this entire experience had on my family. What meant the most to me was knowing that I wasn’t standing in this fight alone. My wife and daughter stood beside me through some incredibly difficult moments, and Ramos Law understood that this journey affected them too. They treated my family with the same respect and compassion they showed me. Ross Iakovakis deserves special recognition. His dedication, communication, attention to detail, and willingness to navigate every unexpected turn of this case meant more to me than I can adequately put into words. When circumstances became complicated, he didn’t back away. He stayed focused, continued working through the issues, and represented me with the level of professionalism and determination I hoped for when I first placed my trust in him. There were moments when this case felt like it was taking us through a maze of unexpected turns and difficult circumstances. But Ross and Ramos Law continued to navigate those turns with me. Looking back, I’m grateful not only for the legal representation I received, but for the respect, humanity, and genuine commitment I experienced along the way. To Ross Iakovakis and everyone at Ramos Law: Thank you. Thank you for standing with me. Thank you for standing with my family. Thank you for treating my situation with the seriousness it deserved. And most importantly, thank you for never allowing me to feel like I was simply another case number. My family and I will always be grateful for the way you represented us during one of the most challenging chapters of our lives. Ramos Law and Ross Iakovakis—thank you for being in our corner when we needed it most. Thank you
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Bernice Eden profile picture
Bernice Eden
4 days ago
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The team at Ramos Law was very professional while helping us navigate through the aftermath of the accident. The responsiveness by Marianella and Monica, in addition to their willingness to assist us with each step of the process, was very much appreciated. We were very happy with all aspects and appreciate the patience and understanding related to all of our concerns.

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Ramos Law is NOT currently accepting auto fraud, lemon law, dealer fraud, vehicle defect, or car dealership dispute cases.