California Credit Report Dispute Lawyer
- How do I dispute an error on my credit report?
- Should I call the credit bureaus to dispute?
- Should I dispute the error with the creditor?
- What happens after I file a dispute?
- How long does it take to resolve a dispute?
- Can I dispute the same item more than once?
- Can I sue for damages if my dispute is not resolved?
- Consumer Protection Lawyer for Credit Report Errors
How do I dispute an error on my credit report?
You can dispute errors by contacting the credit bureaus that issued the report. You should file disputes by mail or by phone. In your dispute, explain the error and provide supporting documents if available. The credit bureau is required to investigate your claim within 30 days.
Should I call the credit bureaus to dispute?
Yes, but first send a written dispute along with any documents that help prove the error.
Should I dispute the error with the creditor?
Yes, you should contact the creditor (or the information furnisher) if you are disputing an item on your credit report. Contacting both the credit bureau and the creditor can help resolve the issue more efficiently. The creditor has the responsibility to investigate your dispute once notified by the credit bureau, but reaching out directly can… [Read More]
What happens after I file a dispute?
The credit bureau will investigate the error by contacting the entity that reported the information (like a lender or bank). They will have 30 days to respond. If the information is found to be incorrect, the bureau will update your report and send you the results of the investigation.
How long does it take to resolve a dispute?
The credit bureau must complete their investigation within 30 days. They are required to update you with the results of their investigation once completed. If the information is corrected, you will also receive an updated copy of your credit report showing the changes.
Can I dispute the same item more than once?
Yes, you can dispute the same item again, especially if you have new evidence. It is important to provide additional supporting documentation to strengthen your case when disputing again. If you have disputed by mail at least one time then make a phone call.
Can I sue for damages if my dispute is not resolved?
Yes, under the Fair Credit Reporting Act (FCRA) and the California Consumer Credit Reporting Agencies Act, you can take legal action against the credit bureau or creditor if they fail to correct errors or conduct a reasonable investigation. You may be entitled to compensation for any harm caused by their failure to correct the issue.
Consumer Protection Lawyer for Credit Report Errors
Contact us for a free consultation. We help people who have errors on their credit report and need a credit report dispute attorney. We have more than two decades of experience helping and representing people who have errors on their credit reports. We file lawsuits on a contingency fee basis so you don’t pay our… [Read More]