Credit Reporting Agencies such as Transunion, Experian and Equifax frequently make mistakes on consumers' credit reports. One study has shown that approximately 70% of consumer credit reports contain some mistake. Approximately 20% of these credit reports contain mistakes that result in the denial of credit. Some of the more common mistakes made by the credit reporting agencies include:

• Identity theft. This type of error is growing exponentially and may be the number one cause for credit reporting mistakes today.
  
  
• Mismerged information. John A. Doe who lives in Montana may have his credit information placed on John A. Doe who lives in Florida. This is a very common mistake.
  
  
• Discrepancies amongst credit reporting agencies for the same debt. One credit reporting agency may report a debt as current while another might report it as delinquent.
  
  
• Delinquencies that are reported longer than 7 years. This is sometimes perpetrated by the credit furnisher or collection agency. A delinquent debt may not be reported longer than 7 years on your credit report. Yet, in order to force you to pay the debt at some point, some collection agencies have "re-dated" the beginning date of the debt so that it stays on your credit report longer.

Mistakes are inevitable when a credit reporting agency handles millions of consumer credit files and billions of transactions per year. By law, if you have an issue with your credit report, you simply post a dispute on line and the credit reporting agency then has to investigate your dispute.

We get involved and represent clients when the investigation is not conducted in good faith and results in the credit reporting agency confirming a debt that you do not owe. When credit reporting agencies fail or refuse to correct people's credit reports, or when collection agencies fail to conduct a reasonable investigation and continue to report a debt that is not yours, we pursue consumers' rights against them under the Fair Credit Reporting Act and the Fair and Accurate Credit Transactions Act of 2003 ("FACTA").

When we prevail, we collect our attorneys' fees and costs from collection agency or the credit reporting agency. Hence, it costs you nothing to pursue this lawsuit.

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