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  1. Tips For Suing Credit Reporting Agency
    Create a paper trail and document everything including the date and time you have a conversation. Send all letters certified registered mail.
  2. Know Your Rights & Dispute Errors.
  3. Fix Your Credit Report Today!
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Violations of the Fair Credit Reporting Act

There are three credit bureau reporting agencies (CRA) that are responsible for keeping track of consumer credit ratings in the United States: TransUnion, Experian, and Equifax. When these agencies make mistakes, it can cause serious problems for consumers.

The Fair Credit Reporting Act (FCRA) offers consumers protection from credit reporting agencies, banks, and lenders who report inaccurate credit information, fail to fix credit report credit errors, or use a credit report for impermissible purposes.

Some examples of these CRA violations include:

Reporting agencies are prohibited from reporting debts that
have been previously discharged through bankruptcy;

Failing to report a discharged debt in bankruptcy;

Providing and reporting outdated or inaccurate informationeporting ;

information older than 7 years;

Reporting old debts as new;


Reporting a debt which was settled;


Applying late fees to debts paid on time;


Supplying credit information despite reported identity theft;


Mixing credit information of multiple parties; and


Failing to correct any inaccurate information from the debtor’s file.


Banks, credit card companies and other entities which report information to a CRA can violate the FCRA by:


Notifying all CRAs a debtor has disputed a debt;


Failing to conduct an investigation of the disputed debt within 30 days;


Failing to provide the debtor with necessary information to complete the dispute process;


Failing to report the results of the investigation to the debtor; and


Submitting information to a CRA that is known to be incorrect.
What Is A Violation Of The FDCPA? (Fair Debt Collection Practices Act)

Bill collectors and creditors use many different tactics to convince people to make a payment to them.  Some of these tactics are actually in violation of your legal rights. 

Ask You to Pay Interest, Fees, or Expenses That Are Not Allowed by Law. See  [15 USC 1692f] § 808(1)

Call Repeatedly or Continuously.  See [15 USC 1692d] § 806(5)

Use Obscene, Profane, or Abusive Language. See [15 USC 1692d] § 806(2)

Call Before 8:00 a.m. or After 9:00 p.m.

Use or Threaten to Use Violence If You Don't Pay the Debt

Illegally Inform a Third Party About Your Alleged Debt

Contact You at Work Knowing Your Employer Doesn't Approve. 

Ignore Your Written Request to Verify the Debt and Continue to Collect


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