- 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
- What is considered unfair and harassing debt collection?
- What rights do I have under the FDCPA to protect myself from collection harassment?
- What are some common examples of unfair collection practices?
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]
What is considered unfair and harassing debt collection?
Unfair and harassing debt collection practices occur when debt collectors violate your rights under the Fair Debt Collection Practices Act (FDCPA). Violations include repeated phone calls, suing on a debt you don’t owe, making false claims about the debt, contacting third parties like your employer or family without permission, threats of violence or harm, or… [Read More]
What rights do I have under the FDCPA to protect myself from collection harassment?
Under the FDCPA, you have the right to: Stop communication from debt collectors by sending a written cease-and-desist letter or refuse to pay letter. Dispute the debt within 30 days of initial contact, requiring the debt collector to verify it before continuing collection efforts. Be free from calls before 8 a.m. and after 9 p.m…. [Read More]
What are some common examples of unfair collection practices?
Common examples of unfair collection practices include: Suing you on a debt you don’t owe. Repeated or excessive calls meant to harass or annoy you. Threats of legal action or arrest without any intention of following through. Misrepresentation of the amount owed, such as inflating the balance or adding illegal fees. Contacting you at work… [Read More]
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