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What Steps Should I Take if I Faced Inaccurate Reporting in CA?

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A person's hand holding a gavel with legal documents and scales of justice on a desk, symbolizing legal proceedings or the work of a judge or law practitioner, potentially highlighting issues of inaccurate reporting.

If you are facing the consequences of inaccurate reporting in California, do not wait to reach out to Loker Law today to discuss your options. Our inaccurate account information disputes lawyer is on your side no matter what you are facing.

What are the most common kinds of inaccurate reporting?

It is important to note the most common types of inaccurate reporting before choosing whether you are facing this issue or not. The Consumer Financial Protection Bureau pinpointed many standard errors on credit reports, including the following:

  • Errors in your identity data, such as wrong name, phone number, or address
  • Personal Information
  • Accounts belonging to another person with the same or similar name as you
  • Incorrect accounts resulting from identity theft
  • Reporting of Account Status
  • Closed accounts registered as open
  • You are reported as the owner of the account when you are just an authorized user
  • Accounts that are incorrectly reported as late or delinquent
  • Inaccurate date of last payment, date opened, or date of first delinquency
  • Same debt listed more than once
  • Balance Errors
  • Accounts with an incorrect current balance
  • Accounts with an incorrect credit limit
  • Data Management Errors
  • Reinsertion of false information after it was fixed
  • Accounts that arise multiple times with different creditors documented

How long do I have to fix inaccurate credit reporting?

Just like any other legal matter, you will want to settle credit reporting issues right away. These issues only tend to grow more and more complex over time elapses and you might even miss out on the opportunity to contest the inaccurate credit reporting if you wait too long. This period to file a lawsuit is known as the “Statute of Limitations.” The federal Fair Credit Reporting Act requires a consumer to bring an action within:

  • 2 years after the date of discovery of the violation; or
  • 5 years after the violation occurs

This implies that if you found the violation on June 1, 2020, you will have until June 1, 2022, to dispute the inaccurate reporting, receive a response from the Credit Bureaus (which can take up to 30 days or more as mentioned above), and file your lawsuit. You will want to recognize that this is a time-intensive process so you will want to begin disputing the inaccurate credit information as soon as possible. To learn more, give our firm a call today to discuss the details of your case with our skilled legal team.

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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