David Hemminger
Consumer Protection Attorney · Hemminger Law Firm
About David Hemminger
David Hemminger is a consumer-protection attorney whose practice focuses on enforcing the federal Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA) against the three nationwide credit bureaus and the data furnishers that report to them.
He partners with Credit1Solutions on cases where a consumer has been harmed by inaccurate, unverifiable, or improperly re-aged tradeline reporting and where the bureaus or furnishers have failed to conduct a reasonable investigation after dispute. His role is to translate verified violations into legal demand letters and, when appropriate, federal-court complaints seeking actual damages, statutory damages, and attorneys' fees.
Mr. Hemminger reviews the violation-type explainers, dispute strategy guidance, and educational content published on this site to confirm the legal references are accurate and current as of publication. Articles he reviews carry his byline as the reviewing attorney.
Areas of expertise
- Fair Credit Reporting Act (FCRA), 15 U.S.C. §1681
- Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. §1692
- Credit Repair Organizations Act (CROA), 15 U.S.C. §1679
- Metro 2 credit-reporting standards
- Federal-court FCRA litigation
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Reviewed by Hemminger Law Firm, Consumer Rights Attorneys | Last reviewed: January 1, 2026
Related Guides
Your Legal Rights
Consumers are protected by several federal laws when dealing with credit reporting issues related to credit education:
- Fair Credit Reporting Act (FCRA) — 15 U.S.C. §1681: Requires credit bureaus to maintain accurate information and investigate disputes within 30 days. Consumers can dispute inaccurate items directly with bureaus or furnishers.
- Fair Debt Collection Practices Act (FDCPA) — 15 U.S.C. §1692: Prohibits abusive, deceptive, and unfair debt collection practices. Collectors must validate debts upon request.
- Credit Repair Organizations Act (CROA) — 15 U.S.C. §1679: Regulates credit repair companies and protects consumers from deceptive practices.
You may file complaints with the Consumer Financial Protection Bureau (CFPB) or the Federal Trade Commission (FTC).
Why Trust Credit1Solutions
- Attorney-backed by Hemminger Law Firm, Consumer Rights Attorneys
- BBB A+ Accredited since 2015
- Founded in 2006 — 19+ years of experience
- Over 510,000 families helped nationwide
- FICO-certified credit education specialists
- Full compliance with FCRA, FDCPA, and CROA
Reviewed by Hemminger Law Firm, Consumer Rights Attorneys | Last reviewed: January 1, 2026