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Inaccurate Credit Reporting in California | Your Legal Options

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Two professionals analyzing financial charts and using a calculator on a wooden desk with a laptop in the background, concerned about inaccurate account information.

For most of us, it seems like credit bureaus plan to make credit reports confusing and overwhelming on purpose. Many are 50 or more pages long. In this instance, it should be no shock that it is not unusual for them to have errors and inaccurate information. This can have detrimental effects on individuals and their financial status and plans. If you have found differences in your credit report, do not hesitate to read on, and then reach out to Loker Law, APC today to speak with an experienced California credit report lawyer to learn what you should do about an inaccurate credit report in California.

How do you know you have an inaccurate credit report?

If you have suspicions that your credit report is inaccurate, you will want to look for warning signs that your credit file may be incorrect or incomplete. You can do this by checking the personal information section of your credit report in addition to the following:

  • An overview of your personal information, for instance, your name, addresses, telephone numbers, date of birth, social security number, and employers
  • Reports on specific accounts are also named tradelines, each of which will have an introductory section supplying the name of the company, truncated account number, status, balances, and scheduled payments
  • A detailed payment history comprised of shorthand codes

If you find any discrepancies within any of that information, you will need to see the address for the furnisher within the tradeline and supply them with an explicit dispute verified by supporting documents. If you fail to do this, the furnisher will not correct the mark. If you have any additional questions or concerns, it is in your best interest to reach out to our firm today to discuss the specifics of your case and your options.

How can a California consumer lawyer help you?

If you have faced burdens because of an inaccurate credit report, particularly one you have unsuccessfully attempted to fix, it is in your best interest to reach out to a skilled Arroyo Grande consumer lawyer who will have the knowledge and expertise to create a successful lawsuit. Not only can you sue for actual damages, like pecuniary loss or emotional distress, but a qualified legal representative will assert attorneys’ fees and costs in addition to punitive damages. Punitive damages are used to punish the defendant and send a strong warning to other bad actors. Don’t let credit bureaus get away with taking advantage of your good character. Give us a call today to get started.

Contact a California Consumer Lawyer

If you are facing any sort of consumer-related issue, such as one involving identity theft, a credit report dispute, or you need a debt collection defense attorney to fight for you, our firm is ready to help. Contact Loker Law, APC today to schedule your initial consultation with our experienced legal team.

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