Looking for A Credit Report Attorney to Fix False Credit Reporting?

When your credit report is wrong because of something that's not your fault, we can help.

  • Get Credit Report Mistakes Removed
  • Get Your Good Credit Scores Back
  • Make Them Pay You Damages

Chuck  Kibling

"I would trust him with my family's legal issues for life."

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Fair Credit Reporting Act Attorney


Under the Fair Credit Reporting Act, you can bring a lawsuit for actual damages. No upfront legal fees with our credit report lawyer.

Find Error on Your Report

1. Find the error or inaccuracy.

Dispute with Credit Agencies

2. Dispute with credit agencies.

It's Fixed or Potential Claim

3. If it's not fixed, you will need to bring a claim or they will likely NEVER fix it.

Credit Repair Attorneys For Errors & Lawsuits

Fair Credit Report Attorney Joseph McClelland

  • Member of the Georgia and New York Bar
  • 18 years experience
  • Recognized by the National Institute of Trial Advocacy
  • Member of multiple federal courts

Is Something INACCURATE On Your Credit Report?

We help you get ERRORS off your credit report WHEN the credit agencies won't listen.

 Attorney For False Credit Reporting 



What Is a Fair Credit Reporting Act Attorney?

As an Atlanta credit report attorney, I can make them correct any errors, compensate you for your economic and emotional damages, and make them pay all legal fees under the Fair Credit Reporting Act (FCRA). We do not charge clients with credit report issues unless we are able to obtain a recovery.

FCRA attorneys or Fair Credit Reporting Act lawyers can help you negotiate and resolve a claim against the credit agencies for not correcting known errors that are effecting your credit scores after you mailing in your disputes.


Understanding consumer law and the Fair Credit Reporting Act are the keys to the removal of errors and the payment of damages. Speak with an Atlanta FCRA Attorney  or Atlanta credit repair lawyer for a free case evaluation.

Is Something INACCURATE On Your Credit Report?

We help you get ERRORS off your credit report

WHEN the credit agencies won't listen.


Most Common Credit Reporting Errors FCRA Lawyers Help With

  1. Not Your Account - This is when you review your credit report and see a bill that is not yours. 
  2. Identity Theft Account - This when you have an account that you didn't authorize on your report. As noted, you should include a police report or identity theft affidavit before filing a claim.
  3. Mixed Credit File/Merged Credit Report - This is when the credit reporting agencies merge your file and another person's file. 
  4. Too Old Accounts - Closed accounts can  stay on your report for 7 years after the first date of delinquency. Many times they will change the date to the date they purchased the debt.
  5. Inaccurate Information - This is when there is an error on your credit report that is a result of false reporting to the credit reporting agencies. Errors include incorrect balances, mortgage servicing abuse, missed payments, and other inaccuracies. A credit repair attorney can help with these.

Is Something INACCURATE On Your Credit Report?

We help you get ERRORS off your credit report

WHEN the credit agencies won't listen.

Credit Attorney Against the Equifax, Transunion, and Experian

If the information is not fixed after you dispute it in writing, you may be entitled to sue for compensation under the FCRA law and make them correct your credit report.


Disputes are king in the land of the FCRA. If you don't dispute to the credit bureaus, then you may not have a case under the Fair Credit Reporting Act.


Dispute Equifax with our templates, if you have not already.


If your credit report is not corrected after a dispute to the bureaus, consumers can sue for a corrected credit report, as well as for compensation, including damages for financial harm and emotional suffering.


Plus, you will have the trade line or account removed. The law also gives consumers who are hurt by intentional wrongdoing punitive damages.


Speak with an Atlanta FCRA Attorney. Call us today for a quick consultation at (770) 775-0938.

increase credit scores by correcting inaccurate credit reporting

Attorney for Identity Theft Victims

The Fair Credit Reporting Act is complex, so hire a credit attorney that has experience with identity theft.


If you've been a victim of identity theft, the bad accounts can hurt your credit scores.


For more information on what to do after identity theft for victims, see our page on identity theft attorneys for victims


Call us today for a quick consultation for credit repair in Atlanta if you are a victim identity fraud at (770) 775-0938.

Are You a Victim of Identity Theft?

We help you get fraudulent accounts removed off your credit report

WHEN the credit agencies won't listen.

Mixed Credit & Merged Credit Reports


Many people may notice accounts that are not theirs on their credit reports. Some may think it is identity theft, but it may not be identity theft.


It might be a merged credit report or mixed credit report. These are extremely damaging to you and 100% preventable by Equifax, Trans Union, and Experian.


The credit agencies are completely responsible.


Here is an article about what to do if you have another person's accounts on your credit report otherwise known as a mixed or merged credit report. Read more about what a mixed credit report attorney can do for you.


Speak with ​our FCRA Attorney and Fair Credit Reporting Act lawyer about this immediately

Are You a Victim of a Mixed Credit File?

We help you get another person's accounts removed off your credit report

WHEN the credit agencies won't listen.


Frequently Asked Questions

Can I sue a creditor for false reporting?

Yes, you can sue a creditor for false reporting if it meets the requirements under the FCRA.

What is the 7-year credit rule and how does it impact old accounts? This question relates to the amount of time that an account can remain on your credit report after the first date of delinquency. For all accounts that were not included in a chapter 7, an account must be removed from a consumers credit report after 7 years from the date of first delinquency.


If you find that credit accounts that are false, each consumer credit reporting company or credit bureau needs to be told or disputed. If it is not correct, you need to talk with an attorney about your next steps.

Before you apply for credit, get your free credit report to see your credit scores and FICO scores.

Remember, the Federal Trade Commission is not the best place to dispute rather it's the credit reporting companies. Disputing negative information in your credit history to major credit reporting companies.

What Is The Fair Credit Reporting Act?

Credit report errors are very common now days. However, there is a law called the Fair Credit Reporting Act (FCRA) which helps protect consumers like you and me. If your credit report has mistakes, it is important to dispute them as soon as possible to stop them from doing any more damage to your credit scores. Call an Atlanta FCRA attorney or consumer protection law firm for proper assistance.

Credit report errors can wreak havoc on your credit score. When your credit score goes down, it could be costing you money. You need an Atlanta credit report lawyer with court experience on your side.


Hire me as your Atlanta credit report attorney so I can help you with understanding the FCRA and how to use it against the credit reporting agencies and companies hurting your credit. Call our office now for immediate assistance.



Fair Debt Collection Practices Act or FDCPA is another weapon for Georgia consumers. Under the Fair Debt Collection Practices Act or FDCPA, you will also be owed your legal fees paid by them instead of you.



Call us today for a quick consultation at (770) 775-0938 to see how our credit report litigation services can help you.


Furnishers are required to conduct a reasonable investigation into the dispute, and then report the findings to the credit reporting agencies within 30 days. The CRAs and furnishers ruin many credit reports every year in violation of the fair credit reporting act. The FCRA applies to home loans, auto loans, credit cards, medical bills, student loans, background, and public records.


The credit reporting agencies are required to keep accurate credit files. 15 U.S.C. § 1681i(a)


When a consumer disputes information with a credit reporting agency, the agency must “conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate.” 15 U.S.C. § 1681i(a)(1)(A).

The FCRA requires CRAs and entities that furnish information to CRAs (“furnishers” or “furnishers of information”) to investigate disputed information.

The furnisher of information must: (1) “conduct an investigation with respect to the disputed information”; (2) “review all relevant information provided by the consumer reporting agency” in connection with the dispute; and (3) “report the results of the investigation to the credit reporting agency.” Id. § 1681s-2(b)(1)(A)–(C).

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You Have A Limited Time To File A Claim

By failing to take legal action under the Fair Credit Reporting Act, consumers like you may lose your right to sue or bring litigation including because of the FCRA's statute of limitations which are deadlines. 


Call us today for a quick consultation at (770) 775-0938. We represent clients for all Georgia cities including Atlanta, Snellville, Lawrenceville,  Stockbridge, McDonough, Macon, Decatur, Savannah, Albany, Columbus, La Grange, Rome, Tucker, Marietta, Griffin, Covington, Conyers, Stone Mountain, Athens, Snellville, and more.

We Help Credit Error Victims Get Their Life Back Together

Get Started Today

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