What is The Role Of An Attorney In Credit Reporting Error Cases?

When someone comes to my office and says they have false information on their credit reports, my role is, first, to determine whether or not the information is objectively false. Once the attorney determines that your information is objectively false, then his or her role is to start the Fair Credit Reporting Act process and document that process, so that either the false information is removed or a lawsuit can be filed. Most consumers don’t know that you have to send what’s called a re-investigation letter. The Fair Credit Reporting Act requires consumers to jump through some hoops before they even have the right to sue the furnisher of the false information or the credit reporting agency.

We make sure that process is done correctly because if it’s defective, then you can be six months into a lawsuit and find out that the whole thing is defective and is dismissed right away. Our role is to make sure that the process goes correctly, that we can document that entire process, and that we have a viable lawsuit to file.

Who Do You Represent In Credit Report Error Cases?

We only represent consumers. We represent consumers with objectively false information on their credit reports. That might be a situation where you have one thing on your credit report that is not yours or a 30 day late mark on your credit report when you can show that you weren’t 30 days late. Sometimes, we represent people with 20 or 30 fraudulent accounts on their credit reports. People have mortgages in their name in some other state, where they have never been, and a bunch of credit cards. Someone stole their identity or their identity was merged with another person’s. We can help.

Is There A Statute Of Limitations For Credit Reporting Error Cases?

What’s important to understand is that the violation doesn’t occur when the false information shows up on the credit report. The violation occurs when the re-investigation process has been completed. Without the re-investigation process having been completed and documented, there is no viable lawsuit. So, the statute of limitations is two years from the failure to do a reasonable reinvestigation.

Is It Easy To Fix An Error On My Credit Report?

The biggest obstacles people encounter when they try to fix an error on their credit report is they don’t send a compliant letter to get them to the point where they can bring a lawsuit, if need be, and most people don’t document what they have done. People try to handle these disputes online and they have no documentation. You need an attorney to actually compose a letter for you that identifies the disputed debt, identifies you, and documents the whole process.

Why Isn’t Hiring A Credit Repair Company Enough Or The Right Step To Take?

There is a provision in the law that limits the duties of credit reporting agencies and furnishers to comply with the law, where there is a credit repair organization involved. Often, people pay some storefront to do some really questionable things to try to bump their credit score up, so that they can get a loan for a car or house. We don’t do that. We are interested in representing people who have false information on their credit reports. We are not trying to game the system. We are trying to make the credit bureaus, the credit card companies, and the mortgage companies follow the law. I don’t recommend credit repair organizations.

For more information on Credit Reporting Error Cases In Michigan, a free initial consultation is your next best step. Get the information and legal answers you are seeking by calling (248) 843-0550 today.