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Disputing Credit Report Errors With Experian, Equifax, and Trans Union

Posted by Andrew Weiner | Nov 17, 2020 | 0 Comments

When Experian, Equifax, or Trans Union report inaccurate information to potential creditors, their errors can have devastating consequences.  Sometimes the potential creditor will raise the interest rate that you must pay because the error makes it look like your credit is worse than it actually is.  And sometimes the potential creditor will deny you credit altogether because the error makes you look like a poor credit risk.  

When there is an error on a credit report, the first step, typically, is to dispute the information with Experian, Equifax, or Trans Union.  There are several ways to dispute the information, but you should make sure that you are providing the credit reporting agencies with enough information for them to identify the error and conduct a reinvestigation.  It is a good idea in your dispute to explain the error and to provide the credit reporting agency with a copy of your driver's license and other identifying information.  To dispute through the mail, a dispute letter should be sent to:

Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA  30374-0256

Experian
P.O. Box 4500
Allen, TX 75013

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016

Once you have disputed the information, the credit reporting agencies have an obligation, in most instances, to conduct a reasonable reinvestigation under the Fair Credit Reporting Act.  If Experian, Equifax, or Trans Union fails to remove the inaccurate information, and the inaccurate information and the refusal to remove the information have caused damage, then there may be legal claims to pursue against the credit reporting agencies.  

About the Author

Andrew Weiner

Andrew Weiner has represented and counseled clients in numerous areas of employment law, including race, gender, national origin, age, and disability discrimination claims, wage and hour disputes, retaliation and harassment claims, Fair Credit Reporting Act (background report) claims, common law tort claims, the development and implementation of employment contracts, employee handbooks, personnel policies, reductions-in-force, independent contractor agreements and compliance with Title VII, the Age Discrimination in Employment Act, the Americans with Disabilities Act, the Family and Medical Leave Act, and other federal, state and local employment statutes. Andrew also has negotiated severance agreements, employment contracts, non-compete agreements, and confidentiality agreements.

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