In this session, we covered the fundamentals of the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) with a focus on 15 U.S.C. § 1692g (Debt Validation Notice) and 15 U.S.C. § 1681i (Consumer Dispute Procedures). Participants learned their rights under these laws, how to challenge inaccurate information on their credit reports, and the proper steps debt collectors must follow when attempting to collect a debt. This class provided essential knowledge for consumers looking to protect themselves from unfair credit reporting and debt collection practices.