Matthew Osborne

Matthew Osborne is a consumer lawyer and Director of Consumer Protection at Ramos Law, who represents individuals harmed by inaccurate credit reporting, unauthorized electronic transfers, and other consumer rights violations. His practice focuses on the Fair Credit Reporting Act, Electronic Fund Transfer Act, background reporting errors, and related federal protections. He has represented hundreds of consumers against large corporations and financial institutions. His work includes disputes involving credit bureaus, banking errors, identity theft consequences, and inaccurate background information.

Matthew earned his B.A. from Columbia College of Missouri. He later earned his J.D. from Michigan State University College of Law. His undergraduate studies preceded his legal education in Michigan, where he completed the professional training required to enter legal practice.

Matthew began practicing law after passing the bar and opened his own practice soon afterward. His early work included bankruptcy and divorce matters before he concentrated on consumer protection law. He developed that focus after seeing people face collection efforts for debts they did not owe. His experience later expanded into consumer litigation involving credit reporting and other statutory protections. Before entering law, he served five years in the US Navy, including service at the Pentagon and in Iraq.

Matthew Osborne serves as Director of Consumer Protection and leads work involving complex consumer claims. He brings substantial courtroom experience to cases involving credit errors, electronic banking disputes, false background reports, and other consumer-related harms. His practice emphasizes detailed investigation, federal statutory protections, and litigation against companies responsible for inaccurate reporting or improper financial activity. He continues to represent consumers seeking accountability when corporations or institutions fail to correct harmful errors.

Law Office Affiliations

• Director, Ramos Law
• Member, Colorado Bar Association

Licensed State

• Colorado

Education

• Michigan State University College of Law
  Juris Doctor (JD)
• Columbia College of Missouri
  Bachelor of Arts (BA)