Your credit report is essential to getting the loan you need to secure your dream home, open a new account, or in some cases, get a job. However, when you check your Experian credit report, there’s a massive error on your account, impacting your credit score and, as such, your ability to secure any of the aforementioned accounts. After you send a dispute to Experian, nothing changes. Luckily, there are options you can pursue with the assistance of a Los Angeles, California credit report lawyer. Keep reading to learn more about what you can do.
What Are the Most Common Errors?
There are several errors you can endure that can impact your credit negatively. This includes, but is not limited to, the following instances:
- Reporting closed accounts as open
- Failing to update debts you’ve paid off
- Reporting incorrect late payment dates
- Reporting accounts as delinquent
- Incorrectly reporting payments as late
- Reporting incorrect information after it was previously remedied
If you notice any of these errors on your Experian report, you must file a dispute with the agency. This includes the description of the mistake and any proof you have of the error.
What Can I Do if Experian Won’t Remedy the Error?
If you file a dispute and Experian does not reply or responds by claiming the information on the account is correct, you may not know how to proceed.
For example, if you pay off a debt but Experian does not update the information, the first thing you should do is reach out to the lender for proof that your debt has been paid. Next, you’ll need to reach out to Experian with the information to prove the validity of your claim.
As determined by law, Experian has thirty days to investigate and respond to your dispute. If they still do not fix the error by modifying or deleting the information, you’ll want to enlist the assistance of an experienced attorney as soon as possible. Your credit report dictates a significant number of things in your life, and as such, it’s essential to ensure the information is correct.
You’ll need to contact an experienced attorney as soon as possible. Whether they refuse to remove an unpaid debt from your account or they refuse to remove incorrect accounts that appear on your report multiple times, this is likely a violation of the Fair Credit Reporting Act (FCRA). As such, an experienced credit reporting lawyer can help you take legal action against the negligent company.
At LA Legal Solutions, our dedicated legal team understands that finding errors on your credit report can leave you overwhelmed and confused. We’re ready to help you take control of your report. Contact us today to learn more about how we can help you get justice for the damages you’ve incurred as a result of Experian refusing to fix your report.