When a credit bureau reinserts a disputed account after previously deleting it through the dispute process, the Fair Credit Reporting Act imposes specific requirements. A credit reporting agency generally may not reinsert information deleted because it could not be verified unless the furnisher certifies that the information is complete and accurate. If the information is […]

A debt validation notice is information a debt collector must provide about a consumer debt and your rights to respond. Before you pay, ignore, or dispute the account, check the notice carefully. Under the Fair Debt Collection Practices Act and Regulation F, validation information is designed to help you identify the debt, understand who is […]

The evidence to save before filing a consumer protection claim depends on what happened, but the same principle applies across many cases: preserve the records that show who did what, when it happened, what you were told, what you paid or lost, and how you responded. At Justice Consumer Law, we would rather review a […]

To dispute medical debt that does not belong on your credit report, first determine why the entry is wrong. The account may belong to someone else, may have been paid, may show the wrong balance, may be tied to an insurance or billing error, or may fall within a nationwide credit-bureau policy that excludes certain […]

When a background check error costs you a job, move quickly to preserve the report, the employer’s notices, and the documents that show the information is wrong. Employment background reports can qualify as consumer reports under the Fair Credit Reporting Act. When an employer uses a third-party consumer report for employment, federal law gives applicants […]

If the same debt listed multiple times on your credit report makes it look as though you owe several separate obligations, the first step is to identify exactly how each entry is being reported. The Consumer Financial Protection Bureau lists the same debt appearing more than once, sometimes under different names, as a common credit-report […]