Credit report lawyer · FCRA attorney · Nationwide
A credit report error cost you a loan, a job or a home? You may be owed damages.
When your credit report is destroying your life, we take it to federal court. I make the credit bureaus and background check companies fix the error, then make them pay for the harm it caused.
25+ years practicing law
300+ cases resolved
$0 unless we recover
Free case review
Tell me what happened. I review every inquiry personally.
No fee unless we recover. Sending this form doesn’t create an attorney-client relationship.
As featured in NBC News Martha Stewart Living Investopedia Newsday
Four Kinds of Credit Errors. One Thing I Do.
I only handle Fair Credit Reporting Act cases. When a credit bureau or background check company gets your report wrong and won’t fix it, the law lets you sue them.
Reported as deceased
A bureau says you’re dead, so every application gets denied. It cuts off credit, banking and even jobs overnight. I’ve reached hundreds of settlements in these cases.
Mixed credit file
Someone else’s debts and accounts are on your report, often a family member, a twin or a stranger. Mixed files don’t fix themselves.
Background check errors
Denied a job or an apartment because of something wrong on your background check? The company that made the error may owe you damages.
Identity theft
Being left to clean up someone else’s fraud is unfair and may be illegal. I make creditors and bureaus follow the law and remove it.
Other credit report errors, like wrong balances or payment history: FCRA lawsuits. Getting collection or robocalls? Robocall rights and our list of collection companies. News and media: Newsroom.
How a Case Works
1
Free review
Tell me what happened. I’ll tell you plainly whether you have a claim.
2
Fix the report
We dispute in writing, the right way, so the error gets corrected and your claim is preserved.
3
Pursue damages
We make the bureaus and creditors pay damages under the FCRA. You pay nothing unless we recover.
Recent Results
Equifax · Reported deceased
After his wife died, the creditor reported both spouses as deceased, and his local bank had to deny him a loan. We got his reports corrected and filed suit in federal court.
Confidential settlement
TransUnion · Reported deceased
Denied a Capital One card because TransUnion was reporting him as deceased, and he couldn’t reach a live person to dispute it. We corrected his report and filed in federal court.
Confidential settlement
Experian · Death alert
An Alabama woman was turned down by Credit One because Experian listed her as deceased. Her certified dispute letters went nowhere. Her report was corrected and the case resolved.
Confidential settlement
Past results don’t guarantee a similar outcome in your case.
What Clients Say
I was scared, felt alone, and had nowhere to turn. I could not have asked for ANYONE better. … For those trying to decide who to choose — you found them.
Bobby D.
He got back to me after business hours on Mother’s Day, was incredibly patient, explained everything in detail … I can sleep at night now knowing who to call.
Imani W.
He is very thorough, always available, and the personal touch made me feel like a valued client. … I highly recommend him for any credit report issues.
Tita G.
4.8 on Google from 57 reviews
About Joseph McClelland
Attorney Joseph P. McClelland brings 25 years of experience and 300+ resolved cases to your side, fighting credit bureaus and background check companies on behalf of consumers nationwide.
He has been featured on NBC News and quoted by Martha Stewart Living, Investopedia and Newsday. He’s also the author of Identity Theft: The Steps Before Litigation. He’s admitted in New York and Georgia, is based in Atlanta, and represents clients nationwide on contingency.
Popular guides
- Equifax says I’m deceased
- Experian reported me deceased
- TransUnion reported me deceased
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- Can you sue when your dispute fails?
- Checkr, Sterling, GoodHire and Accurate background errors
Find Out If You Have a Case
It’s free, it takes about a minute, and you pay nothing unless we recover.