Equifax Dispute Before Filing a Credit Report Lawsuit

Until you dispute an error on your credit report to the Equifax and the other agencies, the law is not fully on your side. BUT... If your dispute fails, you may be entitled to force them to correct the problem, pay your attorney and you damages under the Fair Credit Reporting Act.

DISPUTE EQUIFAX PIC

Here are the rules:

1

Find Error on Your Report

Find the error or inaccuracy. It must be wrong or misleading.

2

Dispute with Credit Agencies

Dispute with credit agencies such as Equifax, Experian, and Trans Union. A template is included in this article below.

3

It's Fixed or You Sue

If they don't fix it, then you may be entitled to damages and can bring a lawsuit in many circumstances.

Find Error on Your Credit Report

1.Dispute Equifax Wrong payment history

That's basically when they're saying that you've missed some payments, and you didn't miss the payments. It happens a lot, and it can crush your score. Tip: Follow the instructions in this book but don’t include the police report but DO include any proof you may have. Remember to send it to everyone.

2.Dispute Equifax Accounts that you've already paid off, but they are still reporting a balance

This happens a lot, and this is obviously when you've paid off an account but for some reason, it's still showing a balance that you owe. Again, follow the instructions in this book but don’t include the police report but DO include any proof you may have. Remember to send it to everyone including Equifax and the creditor during the dispute.

3. Dispute Equifax Accounts that are older than seven-plus years

Seven years is correct if it's a normal account, and ten years if it's like a judgment or a court issue, like bankruptcy. That is improper. You will want to mail a basic dispute letter explaining the issue and send it to the credit bureaus including Equifax, Experian and Trans Union and the business/creditor.

4. Dispute Equifax Accounts that are not yours and identity theft.

4.  Accounts that are not yours and identity theft. They're both accounts that are not yours. This is the topic of the book and is covered in other chapters. For more information on hiring an identity theft attorney in Atlanta.

5. Dispute Equifax Accounts that are not yours and identity theft.

5. Accounts that are not yours and identity theft. They're both accounts that are not yours. This is the topic of the book and is covered in other chapters. For more information on hiring an identity theft attorney in Atlanta.


DISPUTE LETTER TO EQUIFAX

[DATE]


Equifax Information Services LLC.

P.O. Box 740256.

Atlanta, GA 30374



[YOUR FULL NAME]

[YOUR FULL ADDRESS]

[DATE OF BIRTH]

[LAST 4 OF SOCIAL]



Dear Equifax,

         

I looked at my report and this [NAME OF ACCOUNT] account with a balance of approximately $[BALANCE], and account number [ACCOUNT NUMBER] is not accurate. 


OPTION #1 [USE THIS FOR IDENTITY THEFT: I do not recognize this account and do not owe any money on it. Please take it off of my credit report immediately.  I included a police report and a copy of driver’s license. If for some reason, you do not get both of the these, contact me and I will resend.]


OPTION #2 [USE THIS FOR ALREADY PAID OFF ACCOUNTS:] I already paid off this account and do not owe any money on it. Please take it off of my credit report immediately.]


OPTION #3 [USE THIS FOR ACCOUNTS AFTER BANKRUPTCY WITH A BALANCE:] I filed for bankruptcy. This account should show a zero balance. Please correct this information immediately.]


OPTION #4 [USE THIS FOR MISSED PAYMENTS WHEN ACTUALLY MADE:] I made all of my payments on this account and was not late as they report. Please correct this information immediately.] [INCLUDE ANY CLEARED CHECKS OR INFORMATION YOU HAVE TO SHOW YOU ARE CORRECT FOR BEST RESULTS]


OPTION #5 [USE THIS FOR MISSED PAYMENTS WHEN ACTUALLY NOT ALLOWED TO BE MADE: I tried to make all of my payments on this account but they would not accept them. Please correct this information immediately.] [INCLUDE ANY CLEARED CHECKS OR INFORMATION YOU HAVE TO SHOW YOU ARE CORRECT FOR BEST RESULTS]


Please send all of this to the furnisher of this incorrect account. Have a nice day.

[NAME]



Enclosures:

Police Report

Copy of driver’s license

Bonus Tips on Equifax Disputes

See if you have a case.

Free template and what to do if they don't fix the error.

See if you have a case.

Free template and what to do if they don't fix the error.

See if you have a case.

Free template and what to do if they don't fix the error.

ALREADY DISPUTED TO EQUIFAX?

If you have already disputed to Equifax and/or the other credit bureaus but nothing changed, let's chat. What happens the first time will likely repeat itself over and over again. I would like to see what issue you are having and what their response was. If you have a claim, I will discuss your next steps and all of your options.

Force Credit Errors to be Corrected Using the Fair Credit Reporting Act

1.

Confirm that your credit report has actual errors.

2.

Confirm that you have already disputed the information.

3.

Complete the form or call 770-775-0938 for a free, no obligation phone consultation.

Schedule a Free Consultation