It can be devastating when Experian, Equifax, or TransUnion provides inaccurate information about a consumer. Whether it’s applying for a mortgage, trying to get a car loan, or some other situation involving a credit report, consumers rely on Experian, Equifax, and TransUnion to report accurate information that will allow them to accomplish their goals.
Sometimes, though, Experian, Equifax, or TransUnion report incorrect information. Sometimes they report credit accounts that belong to a different consumer. Sometimes they report balances that are wrong or late payment information that is incorrect. Sometimes they simply report a different consumer’s information in someone else’s credit report. Whatever the error, the first step – usually – is to dispute the information with Experian, Equifax, or TransUnion.
To dispute, a consumer can use the credit reporting agencies’ online forms or mail a dispute. Consumers should provide as much information as possible, including identification of the inaccurate information, any evidence of the correct information, and any documents that they have that supports the dispute. Consumers should also provide personally-identifying information to Experian, Equifax, and TransUnion, such as copies of a driver’s license, a passport, an identification card, a utility bill, and other documents. The consumer reporting agencies need to ensure that the consumer is who he or she claims to be, and they will ask a consumer for this information if not provided in the first instance.
Weiner & Sand LLC can help with the dispute in many situations. Please reach out to the attorneys at Weiner & Sand LLC to discuss your situation in more detail and to learn what can be done.