Cento Law Represents Consumers with Credit Reporting Errors. 

Our credit report attorneys have litigated hundreds of Fair Credit Reporting Act cases across the country. Our experience in this area of law is derived not only from representing consumers, but from years of prior representation of two of the three national consumer reporting agencies, Trans Union and Equifax.

Using the Fair Credit Reporting Act (FCRA), and other consumer protection statues, our attorneys pursue money damages for such things as loss of credit opportunities, loss of employment or job opportunities, emotional distress, damage to reputation, and in some cases, punitive damages. 

The attorneys of Cento Law have litigated credit reporting cases in federal and state courts across the country. Our lawyers have experience handling credit reporting cases for individuals and class actions. 

Cento Law takes all consumer credit reporting cases on a contingent fee basis, so the consumer does not pay a fee unless there is a monetary recovery.

How to Dispute Errors on Your Credit Report?

Step 1: Obtain your free credit reports

Obtaining your credit report is the first step in disputing any inaccurate or wrong information which may appear on it. Federal law requires the three national credit reporting agencies, Equifax, Experian, and Trans Union, to provide you with a free credit report every year. Most likely, each of these credit reporting agencies has a credit file on you. Get all three of your credit reports.

You can get your free credit reports at AnnualCreditReport.com. This is the only official site to help consumers obtain their free credit report. You may contact the credit reporting agencies directly, but consumer beware! These credit reporting agencies own businesses which easily trick the consumer into buying their credit scores rather than providing the consumer with their actual free credit report.

Step 2: Initiate dispute with the credit reporting agency

Dispute errors on your credit report by using the FTC's sample complaint letter. Make copies of supportive documentation and mail your dispute to the credit reporting agency reporting the error(s). Mail your dispute letter & enclosures via certified mail - return receipt to: 

Trans Union
Consumer Disclosure Center
P.O. Box 2000
Chester, PA 19022-2000
Phone: (800) 916-8800

Equifax
Complaint Department
P.O. Box 740256
Atlanta, GA 30374
Phone: (888) 873-5420

Experian
NCAC
701 Experian Parkway
Allen, TX 75013
Phone: (800) 583-4080

Step 3: Initiate dispute with the furnisher

Contact the furnisher of the inaccurate information. Use the FTC's sample complaint letter to use to dispute inaccurate information with providers. 

Step 4: Wait for response

Credit reporting agencies must investigate disputes made by consumers. Thirty (30) days after the dispute is initiated, credit reporting companies are required (by law) to provide consumers with the results. The results should be accompanied by a free credit report. If the disputed is not resolved, consider seeking legal action.

Our credit report attorneys deal with every type of credit reporting error.

Credit reports are often full of damaging inaccuracies. Studies show that inaccurate reports plague the credit industry:

  • 46-70% of all credit reports contain mistakes
  • 40% of all credit reports contain public record information belonging to someone else, credit accounts that do not belong to the consumer or accounts incorrectly marked as delinquent
  • 26% of credit errors are serious enough to deny an application for credit, housing or employment

Some of the most common and most egregious errors include: