Colorado Consumer Protection Attorneys
Talk With Us TodayConsumer 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
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
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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).
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Testimonials
Excellent4.71444 reviews
4.7Excellent1444 reviewsPosted on Google![]()
Rick Duran1 days agoTrustindex verifies that the original source of the review is Google.
When I thought all was lost Brian took over and came through in a big way!Posted on Google![]()
AnnMarie M4 days agoTrustindex verifies that the original source of the review is Google.
Had a great experience with Ramos Law. They took my case and were very professional, courteous, & caring. They definitely had my back and made sure I was taken care of by my doctors & therapists. I was very satisfied with my compensation. I would highly recommend!!Posted on Google![]()
C Phillips5 days agoTrustindex verifies that the original source of the review is Google.
They did a great job and got me what I needed. And they didn't give up when they were told no.Posted on Google![]()
Randi Kellamas6 days agoTrustindex verifies that the original source of the review is Google.
Jonathan Stine helped guide me through a complicated personal injury case during one of the most difficult periods of my life. The wreck had caused significant physical and emotional strain, and Jonathan listened to what I had to say and was patient with me while continuing to move the legal work forward. The moment that stood out most was his deposition of the other driver. Jonathan’s questioning brought forward information that led to the identification of additional potential defendants. That development expanded the scope of the case and helped create real momentum toward a resolution. It was clear that he understood the importance of asking the right questions and following the facts beyond the most obvious starting point. Jonathan combined patience with persistence and fierce advocacy. He recognized that I was having a difficult time, managed the case accordingly, and helped carry it across the finish line. I would recommend Jonathan Stine to anyone who needs a capable, thoughtful, and determined personal-injury attorney.Posted on Google![]()
Tammy Archuleta6 days agoTrustindex verifies that the original source of the review is Google.
I spoke with Aizar about my situation and he was very compassionate with my situation. He also gave me hope about medical malpracticePosted on Google![]()
Sandra Wise6 days agoTrustindex verifies that the original source of the review is Google.
I am overly pleased with my choice of legal team! Ramos Law has been utterly amazing - and I recommend them to anyone who needs honest, professional, and hard-working people. While my case was being settled for the second half; Ramos Law helped me to obtain the necessary medical records from all the providers that I had seen for my t-bone wreck from 2024. As a result of their help; I was able to be approved for SSDI disability; which really helps since I am a disabled veteran. I am forever grateful for their help, and much concern for my needs. And yes, there were many due to the extreme nature of my case in which I suffered a Traumatic Brain Injury from the wreck. My advice is this: Please hurry and retain them, as they are good. They are trustworthy, and will not pull any strings telling you one thing and then another. They are a God-send. Thanks so much, Ramos Law [Atty. Emily and Ms. Ashley] for helping me. :)Posted on Google![]()
Zachary Poore6 days agoTrustindex verifies that the original source of the review is Google.
Ronald was very professional and helpful. I reached the right person at the right time. Thank you Ronaldo!!Posted on Google![]()
Evie E7 days agoTrustindex verifies that the original source of the review is Google.
I had the best experience today, because I was connected with Ronald Castellon during the intake process for a car accident that I was recently in. I called Ramos Law today because I was actually signed on with another local Law Firm, but have had a very bad experience with them because they actually never even get back to me , and have plenty of excuses about they have not reached out to me, etc. Ronald Castellon was extremely compassionate towards my situation that I was not at fault for. He was very considerate towards me from the beginning of the phone call and especially towards the end of our conversation. I felt heard, understood, and I felt like I was going to receive the best care possible for my many injuries that incurred from being hit by another driver while I was parked in a parking lot. I sincerely thank Ronald for being such an incredibly supportive and helpful person to me during the intake process today! He is a huge asset to Ramos Law, and I hope he receives recognition for a job well done! I am so impressed with his dedication to his profession and I am grateful for his great attitude overall throughout the conversations that we had. He made a great impression on me, and it is definitely a good reflection on Ramos Law Firm. Thank you, RonaldPosted on Google![]()
Salazar Gallegos11 days agoTrustindex verifies that the original source of the review is Google.
Ross and Bailey made sure to keep me in the loop every step of the way answered all my questions made me feel at ease about the whole situation and I am very satisfied with the outcome thanks for everything you guys have done for me I appreciate it thank youPosted on Google![]()
Adan bahena11 days agoTrustindex verifies that the original source of the review is Google.
Excelente servicio Bryan Rugama me brindo la información que yo necesite en relación a mi accidente es una persona muy preparada.Posted on Google![]()
Ryan Beaver11 days agoTrustindex verifies that the original source of the review is Google.
As a client, I confidently recommend Ramos Law, especially their exceptional Lawyer George Ishman! He was phenomenal from start to finish, and did a fantastic job keeping me in the loop as we went through the various stages of getting the Settlement. He ended up getting me WAY more than I had originally anticipated, and Strongly encourage anyone on the fence to call and ask to work with George! Getting in an Auto accident is never fun, but having a company and competent Lawyer you can count on, is imperative to getting the BEST outcome in your personal case!!Posted on Google![]()
Rosa Garcia12 days agoTrustindex verifies that the original source of the review is Google.
I Dan G. recently worked with Jennifer Reyes from the Property Damage Team at Ramos Law, and I am truly grateful for her support. After my car was totaled in an accident, Jennifer reached out to assist me with negotiating my insurance settlement. She referred me to Total Loss Champions (TLC), and her consistent follow‑up with both me and TLC made the entire process much easier to navigate. Jennifer’s guidance and dedication helped me secure the best possible outcome for my settlement. Thank you, Jennifer, for your professionalism, responsiveness, and genuine care throughout this stressful situation. Your assistance made a significant difference.Load more