At AJG LAW GROUP, PC, we help consumers protect their rights when inaccurate or misleading credit reports affect employment, housing, insurance, or other financial opportunities. Credit report errors are more common than most people realize, and they can have serious consequences on your financial future, creditworthiness, and access to essential services.

Common credit report errors include: 

  • Deceased Notation
    A rare but devastating error occurs when a credit bureau mistakenly marks a living consumer as deceased. This can lead to closed accounts, blocked access to credit, and major disruptions to daily life.
  • Inaccurate Information
    Errors such as incorrect account balances, paid debts reported as unpaid, duplicate listings, or misreported late payments can unfairly lower your credit score and negatively impact housing, employment, or insurance opportunities. Mistaken public records information reported in your name and inaccurate reporting of your account information by creditors or debt collectors can also cause significant harm.
  • Mixed Files
    Sometimes someone else’s credit history is attached to your report due to similar names, shared addresses, or data entry mistakes. These “mixed files” can create lasting damage if not corrected promptly.
  • Outdated Information: 

Information that is too old to be reported continues to appear on your file.

Your Rights Under the Fair Credit Reporting Act (FCRA)

The FCRA protects consumers by requiring credit reporting agencies to:

  • Allow you to access and dispute your report
  • Investigate and correct disputed information within 30 days
  • Provide compensation if violations cause harm
  • Use reasonable procedures to ensure maximum possible accuracy

Additionally, employers, landlords, and insurers must also follow strict rules when using your credit information to make decisions about you.

Available Damages for Credit Reporting Errors

If your credit report has been mishandled, the law allows you to pursue several types of damages:

  • Actual Damages: Compensation for financial harm such as credit denials or increased rates, and emotional distress caused by the inaccurate reporting.
  • Attorney Fees and Costs: If you win, the law permits you to recover the cost of your legal representation.
  • Punitive Damages: Additional compensation awarded when a company’s misconduct is intentional or reckless.

At AJG LAW GROUP, PC, we fight to correct errors, restore your rights, and protect your financial future. 

Contact AJG LAW GROUP, PC today for a free consultation

Credit Reporting Errors

At AJG LAW GROUP, PC, we help consumers protect their rights when inaccurate or misleading credit reports affect employment, housing, insurance, or other financial opportunities. Credit report errors are more common than most people realize, and they can have serious consequences on your financial future, creditworthiness, and access to essential services.

Common credit report errors include: 

  • Deceased Notation
    A rare but devastating error occurs when a credit bureau mistakenly marks a living consumer as deceased. This can lead to closed accounts, blocked access to credit, and major disruptions to daily life.
  • Inaccurate Information
    Errors such as incorrect account balances, paid debts reported as unpaid, duplicate listings, or misreported late payments can unfairly lower your credit score and negatively impact housing, employment, or insurance opportunities. Mistaken public records information reported in your name and inaccurate reporting of your account information by creditors or debt collectors can also cause significant harm.
  • Mixed Files
    Sometimes someone else’s credit history is attached to your report due to similar names, shared addresses, or data entry mistakes. These “mixed files” can create lasting damage if not corrected promptly.
  • Outdated Information: 

Information that is too old to be reported continues to appear on your file.

Your Rights Under the Fair Credit Reporting Act (FCRA)

The FCRA protects consumers by requiring credit reporting agencies to:

  • Allow you to access and dispute your report
  • Investigate and correct disputed information within 30 days
  • Provide compensation if violations cause harm
  • Use reasonable procedures to ensure maximum possible accuracy

Additionally, employers, landlords, and insurers must also follow strict rules when using your credit information to make decisions about you.

Available Damages for Credit Reporting Errors

If your credit report has been mishandled, the law allows you to pursue several types of damages:

  • Actual Damages: Compensation for financial harm such as credit denials or increased rates, and emotional distress caused by the inaccurate reporting.
  • Attorney Fees and Costs: If you win, the law permits you to recover the cost of your legal representation.
  • Punitive Damages: Additional compensation awarded when a company’s misconduct is intentional or reckless.

At AJG LAW GROUP, PC, we fight to correct errors, restore your rights, and protect your financial future. 

Contact AJG LAW GROUP, PC today for a free consultation