Credit Bureau Ignored Your Dispute or Marked It "Verified"?
When you dispute an error, the Fair Credit Reporting Act requires the credit bureau to do a reasonable investigation, not just ask the lender to confirm its own records. A bureau that rubber-stamps, ignores or reinserts a disputed error may be breaking the law.
Get Your Free Dispute Case Review
Free and confidential. Takes about a minute.
Free Case Review
No cost, no obligation
Dedicated Support
Real people, real help
Plain Language
Guides with sources
Nonprofit
Consumer education first
Other Credit Report Problems
Errors often come in groups. Check your report for these too.
All Credit Report Errors
The full guide to fixing your credit report under the FCRA.
Read moreIdentity Theft on Your Report
Accounts, inquiries or collections you never opened, put there by someone using your identity.
Read moreCollection Account You Don't Owe
A collector reports a debt that isn't yours, the wrong amount, or doesn't show it's disputed.
Read moreSomeone Else's Accounts (Mixed File)
A relative's or stranger's accounts mixed into your file because of a similar name or number.
Read moreWrong Balance, Late Payment or Old Debt
Paid accounts showing a balance, late payments you didn't make, or debts past 7 years.
Read moreDispute Problems the Law Covers
These are the most common ways a dispute goes wrong.
Marked "Verified" Anyway
You sent proof, and the bureau kept the error after a quick check with the lender.
No Answer in 30 Days
The bureau didn't finish its investigation, or never sent you results.
Removed, Then Put Back
A deleted item came back without the written notice the law requires within 5 business days.
Called "Frivolous"
The bureau refused to investigate without a valid reason or without telling you why.
Your Proof Ignored
The documents you sent weren't passed to the company that reported the information.
The Error Still Costs You
You were denied or charged more because the error stayed on your report.
Free Tools to Fix Your Credit Report
No sign-up. Your answers stay in your browser.
Credit Report Case Check
A few questions to see if your credit report problem has the signs of a strong case.
StartDispute Letter Builder
A free, ready-to-mail dispute letter for Equifax, Experian or TransUnion, including an identity theft block request.
StartCollection Dispute Letter Builder
A free letter asking a collector to prove the debt and report it as disputed.
StartWhat Can You Recover Under the FCRA?
The Fair Credit Reporting Act lets consumers sue credit bureaus, and the companies that report to them, when they fail to follow the law (15 U.S.C. §§ 1681n and 1681o).
Free Case Review
No Obligation
Get your credit dispute rights evaluated today
Get Your Free Case ReviewCall today for a free case evaluation
How the Free Case Review Works
Consumer Center for Resources is a nonprofit, not a law firm. Read the details.
Learn your rights
Read our free credit dispute guides to understand what the law says about your situation.
Tell us what happened
Use the form or call us. Share the basics: who you're dealing with, what happened, and any letters or dispute results you have.
We review your request
If it looks like you may have a claim, we connect you with Consumer Action Law Group, an independent consumer protection law firm, which may handle it or refer you to another attorney.
You decide
An attorney explains your options. You are never obligated to hire anyone, and the review is free.
Frequently Asked Questions
Answers about credit disputes and what the bureaus must do.
Dispute Went Nowhere?
Tell us what you disputed, what you sent and what the bureau said. We'll review it for free.
Why Act Now?
- ✓FCRA claims have filing deadlines
- ✓Errors keep hurting your credit until fixed
- ✓Your dispute records are your best evidence
- ✓Run by a nonprofit consumer education organization
100% Confidential
We use your information only to review your request
24-Hour Response
We review every submission and respond quickly
No Spam Ever
We only contact you about your case
Get Your Free Dispute Case Review
Free and confidential. Takes about a minute.
Bureau Rubber-Stamped Your Dispute?
A "verified" result doesn't end your rights. Get your free, no-obligation case review.