We dispute with all 3 bureaus
Equifax, Experian, and TransUnion are separate entities. An error on one isn't necessarily on the others. We send a parallel dispute to each bureau showing the error, with the right FCRA citation.
Credit report dispute
If your credit report is wrong, the law's on your side.
Federal law gives you a fast, free, statute-backed dispute process. The bureau must reinvestigate within 30 days. Willful violations carry $100-$1,000 statutory damages plus attorney's fees. We send the letter, track the clock, and escalate when ignored.
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Sound familiar?
If any of this is happening to you, we can help.
An account on your report you don't recognize
A debt you already paid is still showing as unpaid
Late payment reported when you paid on time
Negative item older than 7 years (statutory removal limit)
Bankruptcy or judgment from someone else's file
Same account reported as 'open' on one bureau, 'closed' on another
How we handle it
The procedural side, on autopilot.
We dispute with the furnisher too
FCRA §623 gives furnishers (the original creditor) their own duty to investigate. Many disputes resolve at this layer because the furnisher knows their reporting was wrong but the bureau just rubber-stamps it.
We escalate to the CFPB if ignored
A CFPB complaint requires a 15-day response and enters the bureau's compliance dashboard. We file it when the 30-day reinvestigation comes back unsatisfactory.
Example outcome
Score +47 points
Inaccurate collection account removed; FCRA §611 dispute
Resolved in 27 days
Anonymized · individual outcomes vary
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Common questions
Answered.
- No. FCRA prohibits the dispute flag itself from being used negatively. While disputed, some lenders ignore the disputed item in their underwriting, which can actually raise your effective score during the dispute window.
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