When Can I Sue a Credit Reporting Agency in Los Angeles?

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Your credit report dictates a significant portion of your life, from where you can live to what loans you can receive. As such, it’s imperative to ensure the information included in the report is correct. If you find an error, it can drastically impact your credit score, leading to damages. However, if the credit reporting agency does not assist you in remedying the issue despite taking the necessary steps, filing a lawsuit against them may be your only option. The following blog explores these circumstances in greater detail and explains why it’s in your best interest to connect with a Los Angeles, California inaccurate account information disputes lawyer.

Why Would I Need to Sue a Credit Reporting Agency?

When there is an error on your credit report, you may follow protocol and file a dispute to have the situation remedied. However, despite taking the necessary steps to prove the information on your credit report is outdated, incorrect, or the result of fraudulent activity, the false information remains. As such, this can impact your life as the inclusion of this information on your credit report can lower your credit score, thus disqualifying you for loans or housing.

In the event your credit report dispute is ignored or dismissed, you may want to file again. However, if you submit the same report with no additional information, it may be marked as “frivolous.” This can be challenging because you may have included all relevant information on the first report, leaving you unsure of what to do next.

If this is the case, filing a lawsuit may be in your best interest. Though it seems extreme, your credit report is on the line here. As such, you’ll want to gather evidence showing you filed the dispute with the relevant information to prove that the report was correct but went ignored or was carelessly dismissed.

Do I Need a Lawyer?

Because false information can have a considerable impact on your life, it’s imperative to do everything in your power to have the false details removed from your report. This included connecting with an attorney to represent you when fighting the credit reporting agency.

Unfortunately, navigating a lawsuit on your own can be incredibly complex. Making an error can negatively impact the rest of your case and may lead to you losing or being dismissed. As such, letting an attorney handle these matters will give you the best opportunity to reach a favorable outcome for your circumstances.

When you need help, Los Angeles Legal Solutions is ready to assist. We understand how frustrating it can be to feel ignored or dismissed, especially when something as important as your credit report is at stake. Contact our compassionate and competent team today to learn how we can help you through these matters.

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