CREDIT REPORTING ERRORS LAWYERS Credit Reporting Errors Attorneys
Sues Credit Reporting Agencies or Data Furnishers That Fail to Fix Errors
Talk With Us TodayFix the Record. Restore Your Reputation. Recover What You’re Owed.
Your credit report is more than just a number. It impacts where you live, what you pay and the opportunities available to you. When errors appear, they can derail your financial life overnight. It should be an accurate and honest representation of your credit history. But when banks, credit card companies or other financial institutions submit false information to the credit bureaus, you want to correct the mistake quickly. Don’t settle for higher interest rates or credit denials. Our credit report lawyers can help.
At Ramos Law, our consumer protection attorneys take action. We don’t just dispute inaccuracies, we hold credit bureaus and data furnishers accountable when they fail to follow the law.
The Law Is On Your Side
Understanding Your Rights Under the FCRA
The Fair Credit Reporting Act (FCRA) is a powerful federal law designed to protect consumers from inaccurate, outdated or unfair credit reporting. Under the FCRA, you have the right to:- Access your credit reports from all three major bureaus (Equifax, Experian, TransUnion)
- Dispute inaccurate information
- Have errors investigated—typically within 30 days
- Add fraud alerts or freeze your credit
- Be notified if credit is denied based on your report
We Don’t Just File Claims. We Prepare to Win.
We Are Trial-Ready Attorneys
Some firms hope for a quick settlement. We prepare every case as if it’s going to trial.
That matters.
Credit reporting agencies and large financial institutions are far more likely to take your claim seriously when they know your legal team is ready to go the distance. At Ramos Law, we build strong, evidence-backed cases designed to maximize leverage and results.
If they refuse to fix the problem, we’re ready to take them to court.
Matthew Osborne, Director of Consumer Protection at Ramos Law.
Matthew Osborne, JD, is our Director of Consumer Protection at Ramos Law. His winning reputation of consumer protection cases is deeply established in our statewide community as well as nation-wide. Matt understands the intricacies related to all forms of credit error disputes and all other consumer related injustices. His longstanding background in courtroom litigation and legal fluency in consumer protection laws, regulations and federal acts provide the high-level legal service our clients deserve.
Matt has dedicated himself to consumer law for nearly twenty years, leading to numerous big wins to his name. One notable courtroom victory by Matt and his team includes the highest FCRA jury verdict in the nation.
Tell Us About Your Case
When Your Credit Is Wrong, Everything Feels Off
Types of Credit Reporting Error Cases We Handle
Credit reporting errors come in many forms. And even small mistakes can have major consequences. We handle cases involving:
- Incorrect late payments or missed payments
- Accounts that don’t belong to you (identity mix-ups or fraud)
- Duplicate accounts
- Incorrect account statuses (e.g., marked “delinquent” when current)
- Outdated negative information that should have been removed
- Reinserted errors after they were previously corrected
- Mixed credit files (your report confused with someone else’s)
- Identity theft-related reporting issues
- Failure to properly investigate disputes
If it’s on your report and it’s wrong, we can challenge it.
The Real Cost of Bad Data
What Sort of Damages Are Caused By Credit Reporting Errors?
Credit reporting errors aren’t just frustrating, they’re financially and emotionally damaging.
You may be entitled to compensation for:
- Higher interest rates on loans and credit cards
- Denied applications for mortgages, auto loans or credit lines
- Lost housing opportunities due to failed background checks
- Employment setbacks when employers review credit history
- Emotional distress, anxiety and reputational harm
- Out-of-pocket costs spent trying to fix the issue
In some cases, the law allows for:
- Statutory damages
- Actual damages
- Punitive damages (for willful violations)
- Attorney’s fees and costs
When companies cut corners, you shouldn’t pay the price.
Tell Us About Your Case
Before Contacting Ramos Law
We value the opportunity to defend your credit error disputes by taking legal action. For most cases, however, before we can discuss your credit issue you must first file a formal dispute with the credit bureau and your request for correction be denied. This first step is required for building a legal case. You must be able to show that you have already tried to resolve the issue directly with the credit bureaus and/or data furnishers and were unsuccessful. We cannot pursue legal action when errors are resolved after filing your first dispute.
To ensure we’re able to serve you, please complete the following steps before contacting Ramos Law:
- Obtain a free copy of your credit report: AnnualCreditReport.com
- Analyze and identify specific errors: Look for incorrect account numbers, account balances, payments reported late when they were on time, inaccurate public records, incorrect bankruptcy status, someone else’s data, accounts not belonging to you, (which might indicate identity theft), etc.
- Collect supporting documents: Gather and organize evidence clearly showing errors reflected on your credit report (i.e. bank statements with correct payment history, police reports, FTC identity theft report, letters from creditors indicating the reporting is wrong or a balance is not due, etc.)
- File a dispute with credit bureaus: Experian | Equifax | Trans Union
- Keep records of everything: Create a comprehensive file of all communications, including:
- Any correspondence you receive back from the credit bureaus or creditors with your denial for correcting the error
- Detailed notes of any phone calls, including dates, time and name of the person you spoke to
Learn more about credit reports and scores: Consumer Financial Protection Bureau
From Dispute to Resolution
How Our Credit Reporting Attorneys Help
We guide you through every step of the process:
- Identify the Error
Many clients discover issues after being denied credit or reviewing their report. - Force a Proper Investigation
By law, they must investigate within a set timeframe—usually 30 days. - Hold Them Accountable
If they fail to correct the error or conduct a proper investigation, we take legal action.
Pursue Compensation
We seek damages and work to restore your credit standing.
You Have More Power Than You Think
What Are Your Options?
If you’ve found an error on your credit report, you are not stuck—and you are not powerless.
Your options may include:
- Filing a dispute directly with the credit bureau
- Adding consumer statements to your report
- Filing complaints with regulatory agencies
- Pursuing a lawsuit under the FCRA
The key is knowing which path gives you the strongest chance at a full resolution. And that’s where we come in.
Know Your FCRA Rights
Your Right to Know When Your Credit Report is Used Against You If someone denies you credit, insurance or employment based on your credit report, they must tell you and provide the contact information for the credit agency that supplied the report.
Your Right to Free Access of Your Credit Information. You can request your complete credit file and it’s often free. You’re guaranteed a free copy if you’ve been denied credit, are an identity theft victim, have fraud-related inaccuracies, receive public assistance or are unemployed but job hunting. Everyone gets one free annual report from each major credit bureau.
Your Right to Credit Scores and Disputes . You have a right to request your credit score and dispute any incorrect or incomplete information. Credit agencies must investigate legitimate disputes and correct or remove inaccurate information within 30 days.
Your Right to Time Limits and Privacy Protection . Most negative information disappears from your report after seven years (chapter 7 bankruptcies after 10 years). Your credit information can only be shared with businesses that have a valid reason and employers need your written permission to access it.
Your Right to Additional Protections . You can opt out of pre-screened credit offers, place fraud alerts on your file or freeze your credit entirely to prevent unauthorized access. If companies violate these rules, you may be able to sue for damages.
Your Right to Seek Damages from Violators . If a consumer reporting agency or a data furnisher violates the FCRA, you may be able to sue in state or federal court.
Legal Advocacy That Levels the Playing Field
Fair Credit Reporting Act Lawyers Advocating for You
Taking on credit bureaus and financial institutions alone can feel overwhelming. These are large, well-resourced entities. But they are not above the law.
Ramos Law provides:
- Strategic legal guidance
- Direct communication with bureaus and furnishers
- Aggressive representation when violations occur
- Clear, consistent updates on your case
Our mission is simple: fix the error, protect your rights and pursue the compensation you deserve.
Built to Serve. Driven to Defend.
Why Choose Ramos Law?
Ramos Law was founded by physician and attorney Dr. Joseph Ramos with one goal: to stand up for people who have been wronged.
We understand how deeply credit issues can affect your life. And we take that personally.
When you work with us, you get:
- A complimentary case evaluation
- Honest, straightforward advice
- A team that prioritizes people over profits
- Relentless advocacy from start to finish
You’ve worked hard to build your credit. We’re here to help you protect it.
FCRA Resources
Learn more about credit report errors, how to dispute them and other helpful information.
| Banking | Employment, Insurance Claims, etc. | Rental Property Payment History |
|---|---|---|
| ChexSystems Early Warning Services TeleCheck | LexisNexis Risk Solutions MIB Inc. Innovis | SafeRent Solutions Experian RentBureau Tenant Date Services |
| Subprime Lending | Misc. | Other Helpful Resources |
| Clarity Services FactorTrust | NCTUE More Consumer Reporting Agencies Credit reports Consumer and Credit Reporting, Scoring, and Related Policy Issues | Consumer Financial Protection Bureau Federal Trade Commission Federal Bureau of Investigation OnGuard Online Identity Theft Resource Center Remedying the Effects of Identity Theft |
Credit Reporting Errors FAQ's
How long do credit bureaus have to investigate a dispute?
Under federal law, credit bureaus generally have 30 days to investigate your dispute after receiving it. This requirement comes from 15 U.S.C. § 1681i(a)(1)(A), which mandates a reasonable reinvestigation of disputed information. If they fail to properly investigate or correct errors, you may have a legal claim.
Can I sue a credit bureau or creditor for reporting incorrect information?
Yes. If a credit reporting agency or data furnisher fails to follow the law (such as not correcting inaccurate information or ignoring your dispute) you may file a lawsuit under the Fair Credit Reporting Act. In successful cases, you may recover damages, attorney’s fees and potentially punitive damages for willful violations.
What qualifies as a credit reporting error?
A credit reporting error can include anything inaccurate, incomplete or outdated on your report. Common examples include accounts that don’t belong to you, incorrect payment histories, duplicate accounts or debts that should have been removed. Even small inaccuracies can have a significant impact on your credit score.
What damages can I recover under the Fair Credit Reporting Act?
The FCRA allows consumers to recover several types of damages. Under 15 U.S.C. § 1681n and § 1681o, you may be entitled to:
- Actual damages (financial losses, emotional distress)
- Statutory damages (in certain cases)
- Punitive damages (for willful violations)
- Attorney’s fees and legal costs
These remedies are designed to hold companies accountable and make you whole.
Do I need a lawyer to fix a credit report error?
You’re not required to have a lawyer to file a dispute but having one can make a major difference if the issue isn’t resolved quickly. An attorney can ensure your dispute is handled properly, identify violations of federal law and take legal action if necessary to recover compensation and force correction of your report.
Take Back Control of Your Credit Today
If false information is affecting your financial future, don’t wait. The sooner you act, the stronger your case may be.
If you have already disputed a credit error and were denied a fair resolution, contact Ramos Law for a complimentary case evaluation. Our consumer protection team, led by Director Matthew Osborne, is ready to hold negligent bureaus accountable.
Law Firm Locations
999 Jasmine St, #200
Denver, CO 80220
Call: (303) 214-7927
11705 Airport Way, #200
Broomfield, CO 80021
Call: (303) 466-3200
6892 S. Yosemite Court, Suite 1-201
Centennial, CO 80112
Call: (303) 219-8341
8610 Explorer Dr., Suite 100
Colorado Springs, CO 80920
Call: (719) 309-3000
319 Colorado Ave
Grand Junction, CO 81501
Call: (970) 287-1173
10190 Bannock Street Suite 200
Northglenn, CO 80260
Call: (303) 733-6353
4765 Independence Street Suite: A,
Wheat Ridge, CO 80033
Call: (720) 580-8333
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