Credit Report Attorney Corrects Errors on Credit

Our law firm helps consumers fighting errors on their credit.

Credit Attorney Joseph McClelland

Inaccurate credit information causes higher interest rates, credit denials, and lost job opportunities.

Do you have inaccurate information on your credit report after you disputed it? We can help you get inaccuracies corrected and force the credit agencies to pay you damages.  As credit report attorneys, that's what we do.

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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.

Real Errors on Your Report

1. Find something that is 100% inaccurate.

Dispute with Credit Agencies

2. Dispute LETTER to  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.

Our “No Fee Guarantee”

We will never charge you any money unless we get you a recovery first. Period. That's our "No Fee Guarantee".

Credit Repair Attorneys For Errors & Lawsuits

Top Issues Our Credit Lawyer Handles

We can help consumers dispute the following common types of credit reporting errors.

1.

Reporting the Wrong Balance/Already Paid

Reporting an inaccurate balance to the credit agencies.

2.

Reporting Missed Payments

Reporting that you missed payments when you have proof you were not late.

3.

ID Theft on Credit 

If you find an account that you didn't authorize on your report, this is a problem. You will need an identity theft lawyer for unwanted accounts on your credit report.

4.

Mixed or Merged with Another

This is when the credit reporting agencies merge your report and another person's report. To learn more about mixed credit reports, follow that link.

5.

Report Says Your Dead

Are you dead on your credit report? That likely violates the FCRA and needs to be taken seriously. We have experience battling for consumers going thru this.

6.

Bankruptcy Reporting Issues

Creditors can't pull your credit, report you as having missed payments, or still having a balance due. If you have credit and bankruptcy issues, then reach out.

7.

Not Your Account

If you find a bill that is not yours, this may violate the FCRA and entitle you to damages. 

8.

Too Old Accounts

Closed accounts can  stay on your report for 7 years after the first date of delinquency. 

A Recent Success Story

Our story starts with a husband and wife ready to close on their dream home. There was one major problem. There was an error on their credit report. They had the proof. However, no one would listen.

They contacted Joseph McClelland and things changed. With his help, they were able to have the credit mistakes corrected and proceed with the closing. They now are currently living in their new home.

Outcome: Solved.

We know how to enforce your rights to an accurate credit report. We are happy this couple is living in their dream home.



 Attorney For False Credit Reporting 

What Is a Fair Credit Reporting Act Attorney?

I can make Equifax, Trans Union, and Experian correct any errors on your report. Also, they must compensate you for your economic and emotional damages. Finally, we make them pay all your legal fees. This is because of the Fair Credit Reporting Act (FCRA).

As an Atlanta credit report attorney, that's what I do. We do not charge clients with credit issues unless we are able to get a recovery. 

FCRA attorneys or Fair Credit Reporting Act lawyers negotiate claims against credit agencies. A major violation is not correcting known errors after mailing a dispute. 

You have to understand the dispute process. They have 30 days to correct the inaccurate reporting. If not they have to pay your damages, attorney's fees and costs.

Understanding the Fair Credit Reporting Act is the key to the removal of errors. Are you thinking, "I need an FCRA attorney near me"? If yes, reach out for a free case evaluation.


Frequently Asked Questions

Can I sue a creditor for false reporting?

Credit Attorney Against Equifax, Trans Union, and Experian

The information must fixed after you dispute it. If you dispute it in writing, you will have proof, if needed. Why? You can sue for compensation with a lawyer under the Fair Credit Reporting Act or FCRA law. This makes them correct your credit report of errors. 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.

We help you dispute actual errors. If you want to do it yourself, dispute Equifax with our templates, if you have not already. We also have templates for Trans Union, Experian, and the lesser-known agencies. Remember, the credit bureaus must correct any errors after a dispute to the bureaus. If not fixed, consumers can sue for a corrected credit report.

This includes compensation for financial harm, emotional suffering, and potential punitive damages. Speak with an FCRA Attorney. We represent clients across the country with local counsel. From Atlanta to Albany, we can be there for you.

The Fair Credit Reporting Act is complex. Hire a credit attorney that has experience with identity theft. Want more information on what to do after identity theft for victims? See our page on identity theft attorneys for victims.

Many find accounts that are not theirs on their credit reports. Some may think it is identity theft, but it's not. It might be a merged credit report or mixed credit report. These are extremely damaging to you. Also, they are 100% preventable by Equifax, Trans Union, and Experian. 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. 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.

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.

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).



How Much Do You Cost?

We only charge a percent of what we win on your behalf. There are no up-front costs.

Can You Represent Me Nationwide?

Generally, yes, we can represent you no matter where you live depending on who the defendants are. Many times, we will determine which state it is best for you to file to get the best results. We do so by have local counsel across the country act as local counsel. There are no extra fees for this! We are ready to start for you.

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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.

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