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A consumer reporting agency's investigation; The improper use of a credit report; Being unable to get a copy of a credit score or file; and. Problems with credit monitoring or identify protection services.
The short answer is yes, you can sue credit reporting agencies TransUnion, Equifax, and Experian. The long answer is that bringing a lawsuit against the credit bureaus is not an easy process, and you have to follow certain steps before you can sue. First, you want to get a consumer disclosure.
You cannot sue without first disputing the false information through the credit reporting agencies (Equifax, Experian, Innings, SageSt ream, TransUnion, etc). ... But if it does not get fixed, and if the law has been violated, then you can sue.
You can file a complaint about a credit reporting agency with the Federal Trade Commission using its online form. Go to www.ftccomplaintassistant.gov. You can also contact the FTC by phone (at 877-382-4357) or by mail (at FTC Consumer Response Center, CRC-240, 600 Pennsylvania Avenue, NW, Washington, DC 20580).
Many consumers believe that credit bureaus like Equifax, TransUnion, and Experian are somehow owned, managed or otherwise controlled by the federal government, but, in fact, they aren't. At a fundamental level, all credit bureaus operate as private, for-profit companies.
Go to http://on.freep.com/2wa78i3 to file one, or call 517-373-1140 or 877-765-8388 from 8:30 a.m.-4:30 p.m. weekdays. You can file the complaint with federal Consumer Financial Protection Bureau, which regulates credit bureaus. Call 855-411-2372 or file a complaint at www.consumerfinance.gov.
If you need assistance with filing a complaint, please call us toll-free at 888-851-1920 (TTY: 877-766-8533) 8 a.m. to 6 p.m. CST. If you have questions regarding the status of your complaint, please call the federal regulator or Reserve Bank identified in our acknowledgment to your complaint.
Otherwise, you cannot sue under the FCRA. If (a lender) puts a bankruptcy on your credit, and it's wrong, you can dispute it with (the lender) until the cows come home, but you can't sue them, warns Howard. You are required to dispute it with the credit reporting agencies.
WASHINGTON, D.C. The Consumer Financial Protection Bureau (CFPB) adopted a rule today to begin supervising larger consumer reporting agencies, which include what are popularly called credit bureaus or credit reporting companies. This is the first time these companies will be supervised at the federal level.
The Fair Credit Reporting Act (FCRA) is a federal law that regulates credit reporting agencies and compels them to insure the information they gather and distribute is a fair and accurate summary of a consumer's credit history.
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