Legal Question in Credit and Debt Law in California
The FCRA says that consumers have a right to have credit report be 100% accurate. If I dispute the accuracy of the case number of the bankruptcy on my credit report, which is otherwise accurate, do the bureaus have to remove the item? I did file bankruptcy. The case number showing on my credit report is missing a hyphen, so it is therefore not 100% accurate. Are bureaus required to remove this item because of the inaccuracy?
Thank you.
1 Answer from Attorneys
The FCRA doesn't say anything about 100% accuracy. The credit bureaus are responsible for correcting inaccurate or incomplete information in your report. They don't have to remove your BK just because there's a missing dash. I suppose if you want to nitpick this this, you could get them to add the dash. i would not, however consider that an inaccuracy.
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