Errors on credit reports can affect far more than your credit score. Inaccurate information may result in denied loans, higher interest rates, housing problems, employment issues, and other financial setbacks.
For nearly three decades, Francis Mailman Soumilas, P.C. has represented consumers nationwide in Fair Credit Reporting Act (FCRA) cases involving credit report errors, dispute investigation failures, identity theft, mixed credit files, and other consumer reporting violations.
If incorrect information on your credit report has affected your finances, housing, employment, or other opportunities, our attorneys are here to help.
Fill out the free case review form on this page or call 1-877-735-8600 to speak with an experienced FCRA attorney.
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Credit Report Errors We Commonly Handle
Credit reporting errors can happen for many reasons. Sometimes information becomes mixed with another person’s credit file. In other situations, identity theft results in fraudulent accounts appearing on a consumer report. We also regularly see cases where inaccurate information remains on a credit report even after a consumer has filed a dispute.
Our attorneys handle Fair Credit Reporting Act cases involving:
- Mixed credit files
- Identity theft-related reporting errors
- Duplicate accounts
- Incorrect late payments
- Collection accounts reported inaccurately
- Incorrect account balances
- Reinserted information after a successful dispute
- Bankruptcy reporting errors
- Credit reports that mistakenly report a consumer is deceased
Not every credit report error results in a lawsuit. However, when inaccurate information causes harm and is not properly corrected, consumers may have important rights under the Fair Credit Reporting Act.
What Is the Fair Credit Reporting Act?
The Fair Credit Reporting Act (FCRA) is a federal consumer protection law that regulates credit bureaus, consumer reporting agencies, and companies that furnish information to consumer reports.
The FCRA is designed to help ensure that information reported about consumers is accurate, fair, and properly investigated when disputes arise.
Under the FCRA, consumers have important rights, including:
- The right to dispute inaccurate information
- The right to a reasonable investigation of a dispute
- The right to have unverifiable information removed
- The right to seek compensation when reporting violations cause harm
When credit bureaus, furnishers, or other consumer reporting agencies fail to meet their obligations under the law, consumers may be able to pursue legal action.
When Does a Credit Report Error Become a Legal Issue?
Many consumers discover mistakes on their credit reports. The existence of an error alone does not always create a legal claim.
Often, Fair Credit Reporting Act lawsuits arise when a credit bureau or company reporting information fails to follow its legal obligations.
This may include situations where:
- You disputed inaccurate information and it still appears on your report
- A credit bureau claimed inaccurate information was verified without conducting a reasonable investigation
- A creditor continues reporting information that you have documented as incorrect
- Someone else’s information appears in your credit file
- Inaccurate reporting caused you to be denied credit, housing, employment, or another opportunity
If one of these situations sounds familiar, fill out the form for a free case review or call us at 1-877-735-8600.
National Fair Credit Reporting Act Attorneys
Francis Mailman Soumilas, P.C. is a consumer protection law firm focused on Fair Credit Reporting Act litigation and other consumer reporting matters.
For nearly three decades, our attorneys have represented consumers harmed by inaccurate reporting involving:
Our firm has handled cases involving inaccurate credit reports, employment background checks, tenant screening reports, identity theft, and other consumer reporting issues governed by the FCRA.
How Francis Mailman Soumilas, P.C. Helps Consumers
When we evaluate a credit reporting matter, we work to:
- Review the inaccurate reporting and dispute history
- Identify potential violations of the Fair Credit Reporting Act
- Hold credit bureaus and data furnishers accountable
- Pursue correction of inaccurate information when appropriate
- Seek compensation for harm caused by reporting violations
Our goal is simple: help consumers understand their rights and pursue accountability when inaccurate reporting causes real-world harm.
What Happens After You Contact Us?
Tell Us What Happened
Share the details of the inaccurate reporting and how it has affected you.
We Evaluate Your Situation
Our team reviews the information provided to determine whether inaccurate reporting or a failure to comply with the Fair Credit Reporting Act may be involved.
We Discuss Your Options
If your situation may give rise to a legal claim, we will explain the next steps and answer your questions.
One of the most common questions consumers ask is how long it takes to correct inaccurate information on a credit report.
The answer depends on several factors, including the nature of the error, whether the issue is corrected during the dispute process, and whether legal action becomes necessary.
In this video, partner John Soumilas explains what consumers can expect when inaccurate information remains on a consumer report and a lawsuit becomes necessary.
Frequently Asked Questions About FCRA Lawsuits
What does an FCRA attorney do?
An FCRA attorney represents consumers harmed by inaccurate credit reports, background checks, tenant screening reports, and other consumer reporting violations governed by the Fair Credit Reporting Act.
Can I sue a credit bureau for inaccurate information?
In some situations, yes. If a credit bureau fails to properly investigate or correct inaccurate information after a dispute, you may have a claim under the Fair Credit Reporting Act.
Do I need to dispute a credit report error before contacting a lawyer?
Not necessarily. While many FCRA cases involve disputed information, it is often beneficial to speak with an attorney as soon as you discover a problem so you can better understand your options.
What if my credit report dispute was ignored?
If inaccurate information remains on your credit report after a dispute, or if the investigation appears inadequate, you may have rights under the Fair Credit Reporting Act.
How much does an FCRA lawyer cost?
At Francis Mailman Soumilas, P.C. Fair Credit Reporting Act cases are handled on a contingency basis, meaning consumers do not pay attorney’s fees unless there is a recovery.
Speak With an Experienced FCRA Attorney
You do not have to accept inaccurate information that is harming your financial future.
If incorrect information on your credit report has cost you a loan, housing opportunity, employment opportunity, or other important benefit, our attorneys may be able to help.
Fill out the free case review form on this page or call 1-877-735-8600 to discuss your situation. There is no obligation and no retainers. You don’t pay us, the law requires that they do.
