Inaccurate Credit Reports North Carolina Law Firm: Fairview Law
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Inaccurate Credit Reports

 

The law says that credit reporting agencies must not put information in your credit report that is inaccurate or misleading. Nevertheless, reports estimate that about 1 in 4 Americans have credit report errors. There are three major credit reporting agencies, Equifax, Experian, and TransUnion, and numerous smaller ones.

 

Sometimes these errors are because the credit reporting agencies are careless about the information they allow to be published in your credit report. Sometimes it is because the furnishers of information, such as credit card companies and banks, send inaccurate information to the credit bureaus.

 

In either case, the Fair Credit Reporting Act governs individuals’ credit reports, and allows for actual damages, statutory damages, punitive damages, costs, and attorney’s fees in the even you are successful at trial in holding a credit bureau of furnisher of information responsible for credit reporting violations.

 

There are numerous legal hoops that have to be jumped through to fix your credit report, though, including sending legally compliant requests for reinvestigation and providing information that would require the report be fixed. Our firm can help do disputes correctly, the first time, to make sure that your credit is repaired.

 

If it’s not fixed, it is important to know your rights and litigate to protect those rights. Fairview Law is a Charlotte, North Carolina law firm. Our North Carolina attorneys are experienced in dealing with inaccurate credit reports and bringing litigation against all of the major credit reporting agencies, as well as most major banks and financial institutions.