Problems with Credit Reports
Did you know that a recent study showed that 20% of Americans have errors on their credit reports?
You have the right to get the mistakes on your credit report corrected. The credit bureaus – Experian, TransUnion, and Equifax are the largest – have to follow credit reporting laws when they provide credit reports. This includes requiring them to investigate and correct any mistakes.
But what if they don’t correct the mistakes? Or if the same mistake gets reported again next month?
Failure to correct errors on your credit report is unlawful. If a credit bureau refuses or fails to correct a mistake on your credit report after you ask them to fix it, you might be able to sue the credit bureau to force them to correct the mistake and pay you for the harm that continued mistake caused you.
It is also unlawful for a creditor to continue to report false information to a credit bureau, after becoming aware that the information is wrong. If a creditor – whether you owe them money or not – continues to report incorrect information to the credit bureau after it has investigated and determined it was wrong, you might be able to sue the creditor to force them to stop reporting the false information and pay you for any harm that continued mistake caused you.
Contact my office today to set up a no-cost consultation. I do my best to set these up within a few days. If I decide to represent you in your fair credit reporting case, we can discuss a number of options for paying for legal services and we’ll see what might work for you.