The Fair Credit Reporting Act (FCRA) is in place to protect consumers when credit information is being collected and reported to credit bureaus. The FCRA gives consumers a course of action to take if errors are found in their credit report.
This law gives consumers the right to access their credit report and dispute information if it contains an error. The FCRA requires credit reporting agencies and furnishers to provide accurate information, and mistakes made by either of these organizations must be corrected if a consumer makes a request.
A dispute letter should be sent to both the credit bureaus and the furnisher to notify each of the error and request removal. Documentation that provides proof that the error has been made should be enclosed with each of these letters. An attorney can help you identify the necessary documentation to ensure that the mistake is corrected and removed in a timely manner.
Reporting errors are common on credit reports. Examples of billing errors that you may discover on your report include:
Amounts that do not match up with your records
Failure to credit a payment that you made to your account
Law Offices of Michael Lupolover will review your claim to determine if you have a case and if so retain you as a client.
Law Offices of Michael Lupolover will help you to pursue an FCRA claim on your behalf if errors on your credit report are not corrected or removed.
Consumer is entitled to receive up to a $1000 for statutory damages from each violating party.
Our legal services are absolutely free to you.
Our legal fees are paid by a furnisher or a credit reporting agency. We never charge a consumer for our legal fees.