Credit Bureau Won’t Fix Errors on Your Report? We’ll Make Them
You disputed errors with Equifax, Experian, or TransUnion—maybe multiple times—but the false information remains on your credit report. The credit bureaus claim they “investigated” and “verified” information you know is wrong. This isn’t just frustrating, it’s illegal. Credit bureaus must conduct reasonable investigations under the Fair Credit Reporting Act (FCRA). When they rubber-stamp inaccurate information as “verified” without proper investigation, you can sue them for damages. Law Offices of Todd M. Friedman, P.C. forces credit bureaus to comply with federal law and fix your credit report.
Why Credit Bureaus Ignore Consumer Disputes
Equifax, Experian, and TransUnion process millions of disputes annually, and they profit from selling your credit data—not from investigating it carefully. Many disputes are handled by automated systems that simply ask the furnisher “is this correct?” without reviewing your evidence. The bureaus often ignore supporting documents you provided, fail to forward your dispute properly, or close investigations without actually verifying anything. When credit bureaus prioritize profits over accuracy, they violate FCRA and you can hold them accountable in court.
Equifax Won’t Remove False Information After Dispute
You sent certified letters with proof that the information is wrong. Equifax responded claiming they “verified” the account with the furnisher, but you know the account isn’t yours, or the payment history is false, or the debt was discharged in bankruptcy. Under FCRA, Equifax must conduct a reasonable investigation—not just rubber-stamp whatever the creditor says. If Equifax verified information they should have known was inaccurate, especially after you provided clear evidence, that’s an FCRA violation. We sue Equifax to force correction and recover damages for the harm they caused.
TransUnion and Experian Verified Information You Can Prove Is Wrong
You sent bank statements showing payments were on time, but TransUnion still reports late payments. You provided a police report for identity theft, but Experian won’t remove fraudulent accounts. You sent proof of bankruptcy discharge, but the credit bureaus still show the debt as owed. These scenarios happen every day, and they’re all FCRA violations. Credit bureaus can’t just take the furnisher’s word when you’ve provided evidence proving the information is false. We represent consumers whose disputes were ignored or inadequately investigated.
What Happens When You Sue a Credit Bureau for FCRA Violations
When you file an FCRA lawsuit against a credit bureau, several things happen. First, the bureau must take your dispute seriously—lawsuits get attention that consumer complaints don’t. Second, you can recover actual damages (money you lost due to higher interest rates, denied loans, etc.), statutory damages up to $1,000, and potentially punitive damages if the violation was willful. Third, the credit bureau must pay your attorney fees when you win, meaning you don’t pay legal fees out of pocket. Finally, the court can order the bureau to permanently correct your credit report.
How Long Do Credit Bureaus Have to Fix Errors?
Under FCRA, credit bureaus must complete their investigation within 30 days of receiving your dispute (45 days if you provide additional information during the investigation). If they miss this deadline, that’s a violation. If they fail to conduct a reasonable investigation, that’s a violation. If they re-insert previously deleted information without notifying you, that’s a violation. If they continue reporting information they know or should know is inaccurate, that’s a violation. Each violation gives you grounds to sue for damages and attorney fees.
Stop Letting Credit Bureau Errors Cost You Money
Every day that false information remains on your credit report, you’re being harmed. Higher interest rates on your mortgage, car loan, or credit cards cost you real money. Denied applications waste your time and hurt your credit score with hard inquiries. Apartment denials, job rejections, and increased insurance premiums all stem from inaccurate credit reports that credit bureaus refuse to fix. Don’t accept “verified” as the final answer when you know the information is wrong. Law Offices of Todd M. Friedman, P.C. holds credit bureaus accountable and gets results. Call 877-206-4741 for a free consultation.
