Inaccurate Credit Reporting Aggressive Representation for Clients Nationwide

Credit Report Lawyers

We Serve the Entire Country

Errors in your credit report can have severe consequences, impacting your ability to secure loans, obtain favorable interest rates, or even get a job. At The Consumer Lawyers PLLC. The accomplished credit report lawyers in our Tampa offices help clients across the United States dispute and correct inaccuracies in their reports.

Call (888) 315-3150 or contact us online today to schedule a free consultation.

Common Errors in a Credit Report

Credit reports can contain a variety of mistakes that negatively impact your financial standing. Some of the most common errors include:

Incorrect personal information: This can range from misspelled names to incorrect addresses, Social Security numbers, or birthdates. These errors can lead to confusion and misattribution of credit history.
Accounts that do not belong to you: Sometimes, accounts from other individuals with similar names or Social Security numbers may appear in your report. This can significantly affect your credit score and overall credit profile.
Duplicate accounts: The same debt might be listed multiple times, making it appear as though you owe more than you actually do. This duplication can be misleading and detrimental to your creditworthiness.
Outdated information: Old debts that have been paid off or settled might still be shown as outstanding. A credit report that gives up-to-date information is needed for an accurate financial assessment.
Incorrect account statuses: Accounts may be incorrectly marked as late, delinquent, or in collections, even when they are current. These inaccuracies can unfairly lower your credit score.
Errors in account balances: Mistakes in reporting the balance of your accounts, such as showing higher amounts than what you actually owe, can affect your debt-to-income ratio and credit utilization rate.
Inaccurate credit limits: Incorrect credit limits on revolving accounts can misrepresent your credit utilization, potentially lowering your credit score.

Continue Reading Read Less

"Top-Tier Experience"
Their level of communication was top tier and if I were ever confused about something they always took the time to explain things in a way that helped me understand instead of making me feel dumb.

- Matthew Y.
"They Took My Stress Away"
I would recommend Consumer Lawyers to anyone without any reservations at all. They promptly handled my case taking all the stress off of me. All the attorneys I spoke with and their staff were so nice to deal with.

- Sue H.
"They're All Aces"
They have worked very hard and have gone above and beyond for me. They are always there to answer my questions, and I have nothing but praises for Mr. Gomez and his team.

- Former Client
"This Firm is Awesome"
I am very grateful to have come across them. They not only fixed my account but also gained monetary damages in the process, which truly is amazing to me. Wish I could thank them in person!

- William B.
"Patient & Diligent"
You guys really took the time and had the patience to work with me throughout this whole process. With the outcome, my life, credit, and well-being is back to awesome, just like y’all.

- Brian H.
"I'm Forever Grateful"
I struggled for over a year trying to find someone to help me clear up identity theft under my name. I couldn't be happier with the hard work and dedication from my lawyers. Thank you for helping me get my life back.

- Melissa M.
"Amazing to Work With"
They promised to fix or pursue whatever the matter of my encumbered credit report histories were. Sure enough, they followed through till my credit reports were cleared. They work with and for ethics.

- Lisa A.
"Succeeded Where Others Failed"
It was immediately apparent they were concerned with my unique situation and took the time to understand the details. At the end of it all, The Consumer Lawyers succeeded where others had previously failed.

- Robert O.

View All Reviews

Your Dedicated Advocates in the Fight Against Giants

Here's What Sets The Consumer Lawyers Apart

Clients Come First

treat you how we would want to be treated, which means giving every client our personal cell numbers and fighting for you like family.
Results Matter

We don’t take low ball offers and we don’t back down. We fight to get you every dollar you are entitled to under the law.
Your Champion in the Fight

Our team has the resources, legal knowledge, and experience necessary to stand up to big banks and major corporations for you.
Committed to Your Case

We only take a fee if we win, which keeps us invested in your case and lets us stand up for those who otherwise couldn’t afford a lawyer.

Your Rights Under the Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA) provides you with important legal rights regarding the accuracy, fairness, and privacy of information in your credit report.

These rights include:

The right to access your credit report: You are entitled to one free credit report every 12 months from each of the three major credit reporting agencies (Equifax, Experian, and TransUnion). This allows you to monitor your credit regularly and catch errors early.
The right to dispute inaccuracies: If you find any incorrect or incomplete information in your credit report, you have the right to dispute it with the credit reporting agency. They must investigate your claim within 30 days. We can help.

The right to notification: If a creditor or employer takes adverse action against you based on your credit report, they must notify you and provide the name, address, and phone number of the credit reporting agency that supplied the information.
The right to limit access to your report: Your credit report can only be accessed by entities with a legitimate need, such as creditors, insurers, employers, and landlords. Unauthorized access to your report is prohibited by law.
The right to the privacy of your information: The FCRA imposes strict regulations on how your credit information can be used and shared. Credit reporting agencies and those who access your report must protect your data’s confidentiality.
The right to have outdated information removed: Negative information, such as late payments or bankruptcies, must be removed from your credit report after a specified time period.
The right to sue for damages: If a credit reporting agency, creditor, or other entity violates your rights under the FCRA, you have the right to sue them in state or federal court for damages.

The credit reporting attorneys in our Tampa office work vigorously to protect your rights and get you fair treatment under the law.

We Work for the Little Guy

At The Consumer Lawyers PLLC, we pride ourselves on championing the rights of everyday individuals against powerful credit reporting agencies. We understand that a single error on your credit report can have far-reaching effects on your financial stability and future opportunities. Our mission is to work hard for every client, no matter how big or small, and give them the representation they deserve.

We fight tirelessly to correct inaccuracies, protect your rights under the Fair Credit Reporting Act, and restore your financial integrity. Call (888) 315-3150 today.

Continue Reading Read Less

As Featured On

Let's Work Together

Our Experienced Attorneys Have the Skill and Resources to Win

A member of our team will be in touch shortly to confirm your contact details or address questions you may have.

First Name
Please enter your first name.
Last Name
Please enter your last name.
Phone
Please enter your phone number.

This isn't a valid phone number.
Email
Please enter your email address.

This isn't a valid email address.
Are you a new client?
Please make a selection.
How can we help you?
Please enter a message.
By submitting, you agree to be contacted about your request & other information using automated technology. Message frequency varies. Msg & data rates may apply. Text STOP to cancel. Acceptable Use Policy