Fair Credit Reporting Act (FCRA)

Free Consultation Available
No Upfront Costs

GET YOUR FREE CONSULTATION
CALL NOW: 855-978-6564
Practice Areas
Free Case Evaluation

Fill out the form below for a free, confidential case evaluation and we will contact you shortly. All fields are required.

    Full Name*

    Email*

    Phone*

    Describe your case briefly

    Don’t Let A Credit Reporting Error Impact Your Life

    Errors on your credit report come in many forms.

    Are there accounts listed as open that are closed?

    Are accounts listed as past due that are current?

    Is your personal information incorrect?

    These are just a few examples.

    These errors could lower your credit score and make it more difficult to obtain a mortgage, purchase a car, rent an apartment, get insurance or obtain a job.

    Is inaccurate information appearing on YOUR credit report?

    If you are not sure – obtain a free copy of your credit report today HERE.

    Learn more about the FCRA HERE.

    Learn more about your rights HERE.

    FCRA PROCESS

    • GATHER INFORMATION.  Obtain your credit reports from Experian, Transunion, and Equifax.  You can obtain a free copy annually from www.freecreditreport.com. Review your reports for any errors and gather information that support your claim that there is an error – bank statements, credit card receipts, etc.
    • DISPUTE THE ERRORS.  Write a letter disputing the errors.  Contact information for the three credit bureaus is listed below.  For a sample letter CLICK HERE.  The credit bureaus have 30 days to investigate the error.
    • FILE A FCRA LAWSUIT.  We recommend contacting an attorney to assist you with this step because FCRA lawsuits can be complicated.  Give us a call today at 855-978-6564 so we can assist you!

    CREDIT BUREAU CONTACT INFORMATION

    EQUIFAX
    Online: equifax.com/personal/credit-reportservices/credit-dispute/
    By phone: Phone number provided on credit report or (800) 864-2978
    By Mail: Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30374

    EXPERIAN
    Online: experian.com/disputes/main.html
    By phone: Phone number provided on credit report or (888) 397-3742
    By Mail: Experian, P.O. Box 4500, Allen, TX 75013

    TRANSUNION
    Online: transunion.com/personal-credit/creditdisputes-alerts-freezes.page
    By phone: (800) 916-8800
    By Mail: TransUnion LLC, Consumer Dispute Center, P.O. Box 2000, Chester, PA 19016

    FCRA TEAM

    AMY GINSBURG – aginsburg@ginsburglawgroup.com

    JESSICA STEPANUKHA – jstepanukha@ginsburglawgroup.com

    ANN CANTOR – acantor@ginsburglawgroup.com

    MARC ACACIO – macacio@ginsburglawgroup.com

    Click HERE to begin your FREE case evaluation.