Equifax Denied Your Credit Dispute? Here is How You Can Sue Equifax for an Unresolved Credit Report Error

June 4, 2024

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Yes, you can sue Equifax if your credit reporting error is genuine, and Equifax refused to fix your credit report after you disputed it.   

Few things are more frustrating than discovering a credit reporting error that isn’t your fault. You take the time to dispute the credit report error with Equifax, gathering all the necessary documents, confident that the mistake will be corrected, and your credit score fixed, only to find your Equifax denied your credit dispute. This denial can feel like hitting a brick wall, but it’s crucial to understand that this isn’t the end of the road. At Schlanger Law Firm, helping consumers like you take the necessary next steps when faced with such credit dispute denials is our mission. 

Understanding the Dispute Process 

When you dispute an error on your credit report, Equifax is legally required to investigate your claim within 30 days. This process is supposed to ensure that any inaccuracies are corrected. However, it’s not uncommon for Equifax to deny disputes, even when you provide clear evidence. This can leave you feeling powerless and frustrated, but knowing your rights and the proper steps to take can make a significant difference. 

What to Do When Equifax Denies Your Credit Report Dispute 

If Equifax denies your dispute, here are the steps you should follow to challenge their decision and seek a resolution: 

  1. Gather Documentation: Compile all relevant documents that support your dispute. This includes any correspondence with creditors, payment records, and a copy of your credit report with the error clearly highlighted.

  2. Request the Investigation Results: You have the right to request the details of Equifax’s investigation. Understanding their reasons for denial can provide insight into any potential errors in their process.
  3. Contact the Creditor Directly: Often, the error originates with the creditor that reported the incorrect information. Reach out to them directly to correct the mistake, which can then be updated in your credit report. 

  4. Seek Legal Assistance: If these steps don’t resolve the issue, it may be time to seek help from a credit report dispute lawyer. At Schlanger Law Firm, handling credit reporting errors is a core practice area.  We can can guide you through the process to sue Equifax.  We litigate credit reporting claims every day and are not afraid to go toe to toe with the credit reporting agencies and their lawyers.   Litigation can compensate you for damages caused by the inaccurate reporting, and get the inaccurate information off your credit report. 


Why Legal Action Might Be Necessary 

Credit reporting errors can have severe consequences, affecting your ability to obtain loans, secure housing, or even get a job. When a credit bureau like Equifax fails to correct an error despite clear evidence, they are not just being negligent—they are violating your rights under the Fair Credit Reporting Act (FCRA). Taking legal action can hold them accountable and ensure your credit report is accurate. 

How Schlanger Law Firm Can Help 

At Schlanger Law Firm, we have a proven track record in credit reporting litigation. Our experienced attorneys understand the complexities of the FCRA and have successfully represented clients against the credit reporting agencies. We are committed to protecting your rights and helping you achieve a fair resolution. As your dedicated credit report dispute lawyer, we will support you every step of the way, including if you need to sue Equifax. 

A denied credit dispute can be incredibly frustrating, but you don’t have to navigate this challenging process alone. By taking proactive steps and considering legal action, you can fight back against inaccurate credit reporting. Schlanger Law Firm is here to support you every step of the way, ensuring your credit report reflects your true financial history. Don’t let errors hold you back—take control of your credit today. 

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Reviewed by: Attorney Daniel Schlanger, Managing Partner

Written by: Schlanger Law Group