Mississippi Credit Reporting Litigation

Everyone deserves to have a credit report that accurately represents their financial liabilities and the risk that they pose to lenders. In fact, federal law requires credit reporting bureaus to maintain policies and procedures designed to ensure accurate reports and to make any necessary fixes when an error occurs.

Unfortunately, credit reporting agencies do not always take this responsibility seriously and may neglect to fix an error on a consumer’s credit report even after he or she makes that discrepancy known. Luckily, when the credit bureaus don’t fix the inaccurate information, federal law gives consumers the right to file suit in federal court.

Schlanger Law Group focuses on credit reporting litigation as one of our key practice areas.  When a dispute letter to credit reporting agencies doesn’t address the problem, we litigation against the credit reporting agencies, including Experian, Equifax, TransUnion, LexisNexis. If you are looking for a Mississippi credit reporting litigation attorney, we can help. With offices in Jackson, Mississippi, our consumer protection lawyers help victims of false credit reporting every day, with a focus on getting consumers the compensation they deserve (in addition, of course, to removing the inaccurate information from our clients’ credit reports).

Legal Grounds for Litigating Credit Reporting Errors

The Fair Credit Reporting Act (FCRA) obligates all credit reporting agencies to have policies designed to produce accurate credit reports and to act in good faith when a consumer believes that there is an error on their report. While there is an obligation for them to fix these problems, agencies will not act on their own to investigate errors and instead rely on consumers to bring issues to their attention.

Fair Credit Reporting litigation can be filed in federal court, including in the United States District Courts for the Northern and Southern Districts of Mississippi. Schlanger Law Group’s Mississippi office is headed by Brian K. Herrington, a long-time and well-practiced attorney with extensive credit reporting litigation experience.

When to Pursue Litigation

In most instances, a consumer must submit a dispute letter to a credit reporting bureau asking it to re-evaluate their credit report, prior to bringing a lawsuit about the error. It is crucial to include specific details about the alleged error. The agency then has 30 days to respond. If the agency fails to correct the problem, Mississippi credit reporting litigation may be the only way to correct the credit reporting error and get compensation.

Ask an Attorney for Help with Mississippi Credit Reporting Litigation Today

Unfortunately, credit reporting agencies fall short and fail to meet their legal obligations every day. Let a lawyer from our legal team help you with pursuing Mississippi credit reporting litigation. Contact the Schlanger Law Group LLP today to learn more about protecting your rights as a victim of inaccurate credit reporting.