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Credit Report Errors and FCRA Violations

Fight Back Against Damaging Credit Report FCRA Violations

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The federal Fair Credit Reporting Act (FCRA) is one of the strongest consumer protection laws. The FCRA is designed to ensure the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. Unfortunately, credit reporting errors and violations of the FCRA are common. We have been helping consumers fight against credit reporting agencies and damaging mistakes for over 26 years.

Common Credit Reporting Related FCRA Violations

The following FCRA violations can result in legal consequences for the entities involved. These credit reporting errors can also lead to significant distress and problems for consumers affected by the inaccuracies or misuse of their credit information. Common types of violations under the FCRA related to credit reports include:

  • Inaccurate Information: This is the violation that consumers deal with most often. Credit reporting agencies must maintain accurate and complete information. Common violations occur when outdated, incorrect, or incomplete information is reported, such as wrong account statuses, incorrect balances, or mixed information from another individual’s credit file.
  • Failure to Investigate Disputes: This is the second most common violation that many consumers face. Under the FCRA, credit reporting agencies and information furnishers must investigate disputes from consumers about inaccuracies in their credit reports within 30 days. Failure to properly investigate or not making necessary corrections after an investigation constitutes a violation.
  • Improper Disclosure of Credit Information: Credit reports can only be accessed for permissible purposes, such as credit, insurance, or employment decisions, and consumers must consent in cases of employment. Violations occur when an entity accesses a credit report without a permissible purpose or without proper authorization.
  • Improper Handling of “Opt-Out” Requests: Consumers have the right to opt out of unsolicited offers of credit or insurance based on their credit reports. Credit reporting agencies must provide an easy way for consumers to opt out; failing to process these requests appropriately can lead to violations.
  • Failure to Provide Required Disclosures: Credit reporting agencies must provide consumers with a copy of their credit report upon request once a year for free, and they must also inform consumers of their rights under the FCRA. Failure to provide these disclosures or making them overly difficult to obtain can also be a violation.

If you feel your rights under the FCRA have been violated, get a free, no-obligation case evaluation now by filling out our free case review form or calling us at 1-877-735-8600 to speak to someone about your potential case.

What is a Credit Reporting Agency?

Credit reporting agencies (CRAs) collect and report credit-related information on consumers. The three largest and well known CRAs are ExperianEquifax, and TransUnion.

Companies contact credit reporting agencies when doing credit checks. Credit checks are performed for many reasons, but the most common will include employment screenings, loan and credit card approvals, apartment rental applications, and bank account approvals.

When the information in your credit report is incorrect, you have the right to dispute it and get it corrected.

The FCRA Protects You From Credit Report Errors

  • You have the right to dispute errors – Under the Fair Credit Reporting Act, you have the right to report any mistakes. To do this, you file a dispute with the consumer reporting agency that supplied the inaccurate information, and that agency is required to look into the mistake
  • Inaccurate information must be removed . Once you have disputed an error on your credit report or background check, the reporting agency will have 30 days to verify that the information they have is correct. If it cannot be verified, they must remove the error.
  • Outdated negative information cannot be reported – when you have had credit issues in the past, and they have been resolved, they can only show on your credit report for up to 7 years. The only exception is bankruptcy, which can only be shown for ten years.
  • You have the right to sue for damages – the FCRA also gives consumers the right to sue credit reporting agencies that have violated the FCRA for damages. In some cases, you may also be able to sue the person/agency that used the incorrect credit report against you.

For more, view our Summary of Your Rights Under The Fair Credit Reporting Act (FCRA)

Disputing Errors On Your Credit Report

If you notice an error on your report, notify the credit bureau via mail or an online form. Check out our tools to help you notify the credit reporting agencies of errors:

  • Online Dispute Form – Use this form for us to create a letter for you, and you can print yourself a copy and a copy to mail to the credit reporting agency
  • Sample Credit Report Dispute Letter – though there should be a form sent to you with your credit report for disputing mistakes, that is not always the case. Use our sample letter to create your own credit report dispute letter. Make sure you keep a copy for your records as well.

TIP: In the event that you feel that your identity is compromised, you can put a freeze on your credit report for a period of 90 days so no one can access it.

Credit Report Errors

Credit Report Dispute Process - What Happens Next

Once the credit report agency receives your dispute, they forward the dispute form to the furnisher. They then perform their investigation and report back with the revised/corrected information. This process should be done within 30 days of the dispute.

Both the credit reporting agency and the furnisher (a bank or creditor) are supposed to do independent investigations.

Unfortunately, most credit reporting agencies do not spend much time investigating which leads to non-removal of the error. This means that second or third attempts are sometimes needed but do not guarantee the error will be resolved.

How Long Does It Take to Fix Credit Report Errors?

In this video, firm partner, John Soumilas answers your questions about how long it takes to get credit report errors corrected after a lawsuit against a credit reporting agency or background check company.

Fight Back Against Credit Report FCRA Violations

If you have gotten nowhere with the credit reporting agency and they are not removing mistakes and continue to damage your credit, you need to contact Francis Mailman Soumilas, P.C. now.

Our team of experienced consumer law attorneys is here to fight for you, get your credit report fixed, and get you the compensation you deserve.

Don’t let credit report errors continue to ruin your financial future. Fill out our free case review form, or call us now at 1-877-735-8600 for a free consultation.

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More on Credit Report Errors

If you feel your rights under the FCRA have been violated by a Credit Reporting Agency,
call 1-877-735-8600 to speak to our legal team.

Francis Mailman Soumilas, P.C.








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I discovered by accident that two of the three major credit reporting companies showed me as deceased. I engaged the services of Francis Mailman Soumilas, P.C., P.C. to get my reports corrected. My credit reports are mow completely correct, the reporting companies paid the legal fees, and I received a cash settlement from both companies. I can wholeheartedly recommend Francis Mailman Soumilas, P.C. if you find errors on our credit reports.
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