Legal Question in Consumer Law in California

Re: Incorrect Credit Reporting

You certainly do have a remedy. You should challenge this entry with each of the credit reporting agencies, in writing (by certified mail). Explain that you have never filed for BK and that the entry is in error (probably an identity mix up). If the agencies do not clear up the problem, please give me a call, as you would have a very significant case under the federal and state credit reporting laws. My website is www.truebloodlawfirm.com.

Re: Incorrect Credit Reporting

There are both State and Federal statutes that control credit reporting agencies and those who report things to those agencies.

You should write letters to each of the three major credit reporting companies, explaining the situation. They are required to investigate with the reporting company, if they do not receive verification within 30 days, must remove the information.

Sometimes, the company reporting will do a cursory review, and tell them that you are the right person, in which case it will not be removed.

I would send copies of your letters to the agencies to the creditor, too. If they do not remove the information, you do have legal recourse.

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