Your credit, your rights
Unfair or False Credit Reporting
A wrong item on your credit report can cost you a mortgage, a car loan, an apartment, or a job. The credit bureaus and the companies feeding them data — the 'furnishers' — are not allowed to be sloppy. The Fair Credit Reporting Act gives you real remedies, including money damages and attorneys' fees.
Dispute in writing, the right way
Send written disputes to all three credit bureaus (Experian, Equifax, TransUnion) and to the furnisher of the disputed information. Keep copies and proof of mailing. The bureaus have 30 days to investigate. If they verify an item that is actually wrong, that verification itself can be a legal violation.
When to sue
If a bureau or furnisher 'verifies' inaccurate information, fails to investigate, or reinserts a deleted item without notice, the FCRA allows a lawsuit for actual damages, statutory damages of up to $1,000 per violation, and attorneys' fees. Willful violations can also support punitive damages. New York's analog, the NY Fair Credit Reporting Act, adds another layer.
What we do for you
We review your reports, build the dispute record, send the demands, and file suit if the violations continue. Because the statutes shift fees onto the defendant, most credit-reporting cases cost the client nothing out of pocket. The goal is twofold: clean the report and recover damages.
Talk to a New York attorney about your matter.
Flat-fee matter review. Straight answers, no runaround.