Removing Someone Else’s Accounts From My Report
Credit report errors are more than just frustrating inconveniences—they can derail your financial plans, damage your credit score, and limit access to the credit you need for major life goals. We understand the profound impact these inaccuracies can have on your life, from denied loans to increased interest rates. A credit report error lawyer from our firm stands ready to stand up for consumers like you, ensuring that credit reporting agencies and creditors are held accountable for their mistakes.
Navigating the complex world of credit disputes requires experience and knowledge of the law. That’s where we come in. We’ll guide you through every step, from identifying inaccuracies to taking legal action if necessary, ensuring that your credit report reflects the true story of your financial responsibility.
Credit bureaus maintain the credit histories of nearly 240 million Americans. It is estimated, however, that 12 million people have errors on their credit reports that can seriously damage their credit. Most often, these errors fall into well-known categories of incorrect information and inaccuracies:
Any one of these errors is potentially serious enough to impact your credit score and cause a credit denial or increased cost of credit. Credit report errors like these can limit your choices and derail your personal goals.
Inaccurate information on your credit report can hurt both your FICO and Vantage credit scores. This negative information can lead to credit denials, higher interest rates, and damage to your creditworthiness. Your personal finance goals likely rely on the use of credit. Don’t let credit report errors keep you from reaching your goals, contact us today.
Consumers who need to dispute errors should document their disputes. Any letter should include a copy of your driver’s license, and documents supporting their dispute, and should be sent to the credit bureau’s dispute center by certified mail, with a return receipt requested. Our website provides instructions on how to write a credit dispute along with sample letters for people with common errors and for victims of identity theft.
Federal law provides for a dispute process with credit reporting companies who receive a consumer dispute letter. These consumer disputes must be processed within 30 days. During that time, the credit bureau must forward dispute information to the data furnisher using a standard dispute form called an ACDV. The furnisher has 15 days to respond, and the credit bureau must then complete its investigation within 30 days. Our site has information about the credit dispute process.
If you have experienced any of these situations — or are facing a credit reporting issue not listed here — our firm may be able to help. From challenging the disputed items to seeking damages for your losses, we work with consumers throughout the dispute and process and litigation to get consumers the remedy they need. We offer free initial consultations, and won’t charge a fee unless we get money for you.
Our law firm sues the companies that refuse to correct credit reporting errors. In most cases, we get our client’s reports correct along with compensation for harm to their credit, damage to their reputation, and the frustration caused by false reporting.
If you win your credit reporting lawsuit, the other side must pay your attorneys’ fees. This means that the credit bureaus and financial institutions that damaged your credit report must pay your lawyer to help fix the problem. Lyngklip & Associates only charges consumers if we are able to recover for them, and our fees are paid for out of the recovery. Consumers never pay upfront fees and there is no charge for your initial consultation.
After your case is done, we will help you to regularly check and monitor your credit report, with a free annual review of your credit reports to ensure that you stay free of credit report errors.
Since the pandemic, our firm has gone virtual. We can provide consultations by phone or any other major virtual conferencing platform, including Zoom. There’s no need to fight the credit bureaus by yourself. Get the representation of Michigan’s most respected credit reporting attorneys.
There are four major credit bureaus that get information from lenders, debt collectors, and public record collectors. The Fair Credit Reporting Act (FCRA) requires that these credit reporting agencies provide you with a free copy of your credit report every year and to process credit report disputes within 30 days.
Equifax
1550 Peachtree Street Northeast
Atlanta, GA 30309
https://www.Equifax.com
Experian
701 Experian Parkway
Allen, TX 75013
https://www.Experian.com
Innovis
250 East Broad Street
Columbus, OH 43215
https://www.Innovis.com
Trans Union
555 West Adams Street
Chicago, IL 60661
https://www.TransUnion.com
If you are looking for additional resources, you can get a free copy of your credit file from the Annual Credit Report website here.
For a more complete list of the companies that operate as consumer reporting agencies, you can see the list prepared by the Consumer Financial Protection Bureau (CFPB) on their website here. For more information on getting your free credit report, you can also visit the Federal Trade Commission (FTC) website here.
Don’t face a credit report error without a seasoned lawyer in your corner. Contact Lyngklip & Associates for a free initial consultation today.
© 2025 Lyngklip & Associates, Consumer Law Group, PLC. All rights reserved. Attorney advertising.
