You Need Credit.
Americans submit loan and credit card applications by the tens of millions every year. Credit report errors unfairly block approvals, and often people don’t even realize errors played a role.
Nationwide Credit Report Error Lawyers
Credit report errors block loans, housing, cars, insurance, and jobs — and most people never learn that a mistake was the reason.
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(844) 808-2553No Justice, No Fee ™
- Dispute errors and demand corrections
- Sue Experian, Equifax and TransUnion
- Recover money for the harm you suffered
Why Credit Reporting Errors Matter & Why You Should Dispute Them
You Need Housing.
Whether it’s a mortgage application or a rental application, an inaccurate credit report can stop your application in its tracks or lead to higher deposits and worse rates.
You Need a Car.
Driving your kids, getting to work, visiting family — many of us depend on cars in daily life, but can’t afford one without financing. Misleading credit data can prevent you from getting a car loan or make you pay more than you should.
You Need Insurance.
Without insurance, your family’s future, home, personal belongings, car, health, and more, are uncertain. A mistake in your credit report can cause coverage denials or higher rates.
You Need a Job.
If your career requires a credit check, having wrong information in your credit report can be an employment deal breaker.
We are a nationwide credit reporting law firm that helps consumers throughout the U.S., including Arizona, California, D.C., Florida, Georgia, Illinois, Maryland, Michigan, Minnesota, Nevada, New Jersey, New York, Pennsylvania, Texas, Washington, and everywhere else you are. Coast-to-coast legal help you can count on.
What Can You Do If Your Credit Report Contains Errors?
Credit report errors include any information that is inaccurate, incomplete, misleading, duplicate, false, someone else’s, outdated, or unreportable.
01
Assert Your FCRA Rights
You have the right to accurate credit reports, free from errors.
02
Dispute Errors
You have the right to dispute errors and demand corrections. The credit bureaus have an obligation to investigate and fix their mistakes.
03
Find a Lawyer
If Experian, Equifax, or TransUnion ignore or mishandle your dispute, file a lawsuit.
04
Get Money
If you suffer financial, housing, career, reputational, emotional, or other harm, you may be able to get compensation.
Do You Need a Dispute or a Lawsuit?
The answer is often both. Sometimes, a dispute can help clear errors, but if the credit bureaus — Equifax, Experian, and TransUnion — ignore or mishandle your dispute, a lawsuit is the next step. Other times, the harm caused by credit report errors is so bad, a lawsuit is the best place to start. We help determine the right legal strategy for your situation.
Common Credit Report Errors We Dispute
Accounts that don’t belong to you
Due to mixed files, identity theft, or bad data.
Incorrect payment history
Late or missing payments reported in error.
Wrong account status
Reported as delinquent, charged off, or in collections when it isn’t.
Inaccurate balances or credit limits
Throwing off your credit utilization score.
Duplicate entries
On accounts, payment data, debts, or anything else.
Mixed credit files
Someone else’s info mixed into yours.
Outdated negative information
That should have been removed by now.
Incorrect personal information
Wrong name, address, SSN, employer.
Unauthorized hard inquiries
That lower your credit score and raise red flags.
Incorrect public records
Bankruptcies, judgments, and liens that are wrong.
False deceased reporting
Mistakenly marked as deceased.
Bankruptcy credit report errors
Info that’s not yours, not accurate, or no longer reportable.
Corrections. Compensation. Recovery.
$95,000 Win for Credit Reporting Errors
When Experian’s automated matching system falsely linked our client’s credit and financial information with his adult son’s information, the mistake was disastrous. Having a credit report filled with mistakes and wrong information caused multiple lending denials that cut off his access to much-needed credit.
Our attorneys worked tirelessly to prove the facts of this case within the context of a powerful legal strategy.
“This trial showed the real-world consequences of inaccurate credit reporting.”
Ronald Alexander Garcia Delgado v. Experian Information Solutions, Inc.
Civil Action No. 4:24-cv-00637 (E.D. Tex. 2026)
$95,000
Here’s what we did:
- showed how the flawed system mis-matched data based only on first name and a shared address, despite significant differences in personal information, including a 24-year age difference
- revealed that neither of the other two major credit bureaus, Equifax and TransUnion, made the same mistake
- demonstrated the harm and extent of our client’s financial, emotional, and reputational injuries
- proved that Experian’s repeated misreporting and improper investigations were violations of the Fair Credit Reporting Act (FCRA)
- skillfully presented the facts through Spanish/English interpreters
Your trial team
-
David Chami
Managing Partner
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James Ristvedt
Managing Attorney & Trial Counsel
-
McKenzie Czabaj
Associate
Why Choose Our Firm
We chose you. Our attorneys chose to work for one of the largest credit reporting practices in the nation. We use our legal resources and experience to help consumers fight corporations over inaccurate credit reporting…every single day.
Recovered on Behalf of Our Clients $250M
Clients Served 10,000
Years Combined Experience 75
- National Consumer Advocates NACA and NCLC
- Experienced FCRA Lawyers
- Individualized Client Attention
- Representation Throughout the U.S.
- Focus on Communication, Transparency & Trust
Credit Reporting FAQ
To dispute a credit report error, start by carefully reviewing all three credit reports, clearly mark any errors that you find, find supporting documents, submit a written dispute by certified mail (include a dispute letter and copies of evidence), keep all emails, communications, and mail receipts, and track the time from the day they receive it (30 days).
Under the FCRA, the credit bureaus typically have 30 days from when a dispute is received to investigate and respond, including removing incorrect or unverifiable data. Under some limited circumstances, it can take up to 45 days. Failing to properly investigate and respond to disputes or correct errors is a violation of your FCRA rights.
Yes. You have a right to seek compensation for credit reporting errors under the Fair Credit Reporting Act (FCRA). You may be entitled to compensation for harms like financial and other losses related to loan, job, housing, and insurance denials, including reputational and emotional damage.
If you work with Consumer Justice Law Firm, it does not cost you anything to speak with an attorney. We offer free case reviews to determine whether you have a viable claim, and if we take your case, you do not pay any money up front or out of pocket. The credit bureaus and other companies pay our legal bills when we win.
Yes. Identity theft can result in unauthorized accounts, debts, loans, mortgages, rentals, insurance claims, and more, wrong personal information, and fraudulent transactions that show up on your credit report and linger long after the identity theft itself has been caught. There are steps you can take to start cleaning up the data mess. Talk to a lawyer to build a personalized legal recovery plan including help filing disputes and lawsuits if needed.
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We help you handle
- credit report errors
- background check errors
- tenant screening report errors
- insurance report errors
- debt collection harassment
- identity theft recovery
No Justice, No Fee ™