Commitment. Integrity. Tenacity.

FCRA cases require more preparation then FDCPA cases in that the consumer (or our firm) must first despite the erroneous account and wait 30 days before initiating a suit. In some cases the consumer will come to our firm having already properly disputed information. However, this is unfortunately rarely the case. In most cases our firm will do the initial dispute to properly prepare the case. (Note: in theory the credit bureau could properly respond to the dispute meaning we would not have a case despite doing the initial dispute legwork. However, we find that in most cases doing the legwork pays off.)

Disputes Generally

The chart below contains the contact information for each credit reporting agency. Online dispute forms generally contain requests for all information that the company will need to investigate your dispute. Items that should be included in any mailed dispute letter include:

• Your credit file number for the respective bureaus (Only if you have it).
• Your Social Security Number
• Your Date of birth
• Your Current address
• The Company name of the disputed item (from your credit report)
• The Account number of the disputed item (from your credit report)
• The Reason for your dispute (such as, it is not your account; you have paid the account; etc.)
• Any corrections to your personal information (address, phone number, etc.)

Remember, the error dispute process is for correcting false and incorrect information, not true, yet unfavorable, information. Filing a false report may constitute fraud. Because of the complexity of the Fair Credit reporting Act always consult an attorney before proceeding. Contact us today for more information.

Do not expect that your issue will be resolved by filing a dispute. Generally you will receive a form letter stating that your information has been “verified” with the furnisher of credit or the original creditor. At this point you may wish to contact our firm or another consumer rights law firm.

Finally, remember to keep good records of your dispute! It is extremely important to make copies of all letters mailed to the bureaus. If submitting a request online, take screenshots and save all email confirmations. If you do not obtain the result that you desire contact our firm for a free consultation.

Experian

Experian is rated by our firm as the least consumer friendly site of the three major consumer credit reporting bureaus. At first glance (and even an in-depth review of the online information), it appears that Experian does not accept credit disputes by mail. Worst yet, it appears that in order to file a dispute you must buy one of their products in order to obtain a “report number”. In fact, as of 15 May 2013 visiting the Experian dispute site will immediately proffer a sales solicitation. However, as you might expect, Experian is hiding the true dispute process. Utilize the chart below to submit your dispute via mail for the cost of a postage stamp.

Equifax

Equifax, formally CSC credit services for Minnesota residents, offers a relatively “consumer friendly” online dispute process. They will however accept mail disputes. This said, the online Equifax system is quite efficient, and serves as a great tool for disputing false credit information. Equifax wants you to have the following form attached to any dispute: http://www.equifax.com/cp/MailInDislcosureRequest.pdf More info about disputes can be found here: https://help.equifax.com/app/answers/detail/a_id/33/~/dispute-errors-on-your-credit-file-by-mail

TransUnion

TransUnion disputes can be filed online. You can also dispute incorrect information on your TransUnion credit report by mailing your dispute request. Dealing with TransUnion is generally a reasonable process.

ChexSystems

While most credit reporting agencies report data about how a consumer has allegedly handled credit relationships, ChexSystems provides data related to how a consumer has allegedly handled deposit accounts at banks- i.e. checking accounts. ChexSystems is generally reasonable to deal with.

Experian

Online Dispute Dispute by Mail
http://www.experian.com/consumer-products/credit-report.html Experian
P.O. Box 9701
Allen, TX 75013
Additional Requirements/ Preferences Additional Requirements/ Preferences
The Experian online dispute process is largely run as a form of revenue generation for the company. The company requires you to purchase a report to dispute false information. Accordingly, consumers should dispute incorrect information utilizing the by-mail process. Our firm recommends by-mail disputes as the preferred method of disputing incorrect information when dealing with Experian.

Equifax

Online Dispute Dispute by Mail
https://www.ai.equifax.com/CreditInvestigation/ Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374
Additional Requirements/ Preferences Additional Requirements/ Preferences
N/A Equifax wants you to have the following form attached to any dispute:http://www.equifax.com/cp/MailInDislcosureRequest.pdf

TransUnion

Online Dispute Dispute by Mail
http://www.transunion.com/personal-credit/credit-disputes/credit-disputes.page TransUnion LLC
Consumer Dispute Center
P.O. Box 2000
Chester, PA 19022
Additional Requirements/ Preferences Additional Requirements/ Preferences
N/A N/A

ChexSystems

Online Dispute Dispute by Mail
There is no online dispute system currently available. ChexSystems does accept disputes via fax at 1-602-569-2197 Chex Systems, Inc.
7805 Hudson Road, Suite 100
Woodbury, MN 55125
Additional Requirements/ Preferences Additional Requirements/ Preferences
N/A N/A