Your credit report should reflect your true financial history, not be filled with errors and outdated information. When creditors, debt collectors, or the credit bureaus get it wrong, the consequences can be immediate and serious.
To address credit errors, identify theft and fraudulent credit reporting, and take the first step toward restoring your financial standing, contact Hays Cauley, P.C. to speak with a credit reporting attorney in Columbia with 30 years of experience who can help you fight back and set the record straight.
Fair Credit Reporting Act (FCRA) Disputes
Credit bureaus have a legal obligation to investigate disputes and correct inaccurate information within a reasonable timeframe. When they fail to meet that standard, you have the right to take action under 15 U.S.C. § 1681 and pursue damages:
- Accounts misattributed to your file
- Debts reported after being discharged in bankruptcy
- Incorrect payment histories that lower your score
- Duplicate entries that inflate your total debt
- Fraudulent accounts opened as a result of fraud and/or identity theft
- Reinserted information previously removed after a dispute
Contact a Credit Reporting Attorney in Columbia
Are inaccurate and/or fraudulent credit accounts, background check reports, or debt collection lawsuits for accounts that don’t belong to you putting your financial future at risk? These situations won’t improve on their own, and the legal deadlines for disputing errors, responding to lawsuits, and challenging denials of a job and/or housing can pass faster than you expect.
Call Hays Cauley, P.C. at 843-665-1717 or contact us online to schedule a free consultation with a credit reporting attorney in Columbia who will analyze your situation from every angle and build a clear plan to protect your rights, your assets, and your peace of mind.