Fighting Credit Report Errors and Background Check Errors
At Jaffer Law, our team of experienced Texas credit attorneys and FCRA lawyers fights for consumers across the state who have been harmed by inaccurate credit reporting, background check errors, or identity theft.
If your credit report has errors, if you were denied a job or loan unfairly, or if your identity was stolen and the credit bureaus ignored you — you have rights. We’re here to enforce them.
As one of the top consumer protection law firms in Texas, Jaffer Law handles Fair Credit Reporting Act (FCRA) cases statewide — from Dallas to Houston, Austin to San Antonio, and everywhere in between.
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Why Credit Report Errors Are a Serious Problem in Texas
Texas ranks among the top states for identity theft, inaccurate data collection, and credit disputes. With millions of consumers, high housing demand, and widespread lending activity, credit report mistakes can cause real harm in our state.
You might not even know there’s a problem until it’s too late:
- Denied for a mortgage or car loan?
- Rejected from a job or security clearance?
- Turned away from an apartment?
- Paying higher interest rates due to false delinquencies?
- Victim of identity theft or fraud?
If you answered yes to any of these, you may be entitled to legal remedies under the FCRA.
What Is the Fair Credit Reporting Act (FCRA)?
The Fair Credit Reporting Act (FCRA) is a powerful federal law that regulates how credit bureaus (like Equifax, Experian, and TransUnion) and data furnishers (like banks, lenders, and employers) handle your personal financial and background information.
Under the FCRA, you have the right to:
- Access your credit report
- Dispute inaccurate or incomplete information
- Have errors investigated and corrected
- Receive notice of adverse actions (like job denials)
- Sue for damages when your rights are violated
Texas FCRA attorneys at Jaffer Law use this law every day to correct reports, recover damages, and hold corporations accountable.
Common Types of Credit Reporting Errors We Handle
Our Texas credit attorneys have seen it all. No matter how small or large the mistake, we take your case seriously — because the consequences can be devastating.
1. Mixed Credit Files
Your report includes someone else’s debts due to a similar name, Social Security number, or address. This can tank your score and result in wrongful denials.
2. Outdated or Re-Aged Accounts
Accounts that should have been deleted remain on your report — or collectors improperly restart the clock on old debt.
3. Duplicate or Fake Accounts
Fraudulent accounts created through identity theft may continue appearing even after disputes and police reports.
4. Incorrect Personal Information
Wrong birth dates, phone numbers, addresses, or employment history can cause confusion and access issues.
5. Errors in Payment History
Late payments that were actually on time can drop your credit score significantly.
6. Inaccurate Public Records
Bankruptcies, tax liens, judgments, or foreclosures that aren’t yours (or have been resolved) often show up incorrectly.
How Do Credit Reporting Errors Affect You?
Even a single mistake can trigger a cascade of financial consequences:
- Credit Score Damage: Just one error can drop your score by 50–100+ points.
- Loan Denials: Lenders may reject your mortgage, car, or business loan application.
- Higher Interest Rates: Inaccurate data can cost you thousands in added interest over time.
- Housing Rejections: Property managers often deny leases based on flawed credit data.
- Job Loss or Denials: Employers rely on background and credit reports — especially for positions involving trust, finance, or government.
Don’t let a data error control your life. Let Jaffer Law’s Texas credit attorneys help you fix your report and fight for justice.
Your Legal Rights Under the FCRA
The FCRA empowers you to:
✅ Obtain free annual credit reports from all three major bureaus
✅ Dispute any errors and require a full reinvestigation
✅ Have inaccurate data corrected or removed within 30 days
✅ Block identity theft-related entries with proper documentation
✅ Sue companies for negligent or willful violations
✅ Recover statutory, actual, and punitive damages — plus legal fees
If the credit bureaus or a data furnisher ignore your dispute, perform a sham investigation, or fail to notify you of their findings — they are breaking the law.
How Jaffer Law Helps Texas Consumers
We are proud to be one of Texas’s go-to firms for FCRA litigation and credit report errors. Our legal team combines aggressive strategy with deep consumer law experience to get results.
✔ Free Case Evaluation
We’ll examine your credit reports and background check documents and let you know if you have a valid claim — at no cost.
✔ Aggressive Legal Disputes
We handle the dispute process for you, crafting powerful letters, collecting supporting documents, and building a legal foundation for your case.
✔ Federal Litigation
If the bureaus or creditors refuse to fix the errors, we file suit in federal court under the FCRA. You may be entitled to compensation.
✔ No Out-of-Pocket Cost
You pay nothing unless we win. The FCRA requires the other side to pay your attorney’s fees if we’re successful.
✔ Compassionate, Statewide Representation
From El Paso to Tyler, we represent Texans across every county with professionalism, speed, and respect.
Real Texas FCRA Case Example
Case Example: “John from Fort Worth”
John, a teacher in Fort Worth, was denied a mortgage after a credit report showed $12,000 in collections. He had never seen the account and filed a dispute. The credit bureaus refused to remove it.
He contacted Jaffer Law. We discovered his report had been mixed with someone who shared his first and last name but lived in a different state. We filed suit under the FCRA, and within months:
- The false account was deleted
- John received compensation
- Legal fees were paid by the credit bureau
What to Do If You Spot a Credit Report Error
- Request Your Reports
Get your reports at AnnualCreditReport.com from Experian, Equifax, and TransUnion. - Review Each Section Carefully
Look for unknown accounts, incorrect balances, unfamiliar addresses, or outdated records. - Gather Documentation
Collect anything that helps your case — payment records, ID theft reports, loan denials, or employer letters. - File a Written Dispute
Mail a certified letter to the credit bureau and data furnisher. Keep copies and receipts. - Call Jaffer Law
If the problem continues or the consequences are serious, we’ll step in and fight for you.
Who We Serve
Jaffer Law represents clients throughout Texas, including:
- Dallas
- Houston
- Austin
- San Antonio
- Fort Worth
- El Paso
- Arlington
- Plano
- Lubbock
- McAllen
- Frisco
- Waco
- Amarillo
Whether you live in a metro area or a rural town, we offer remote consultations and statewide representation.
Frequently Asked Questions (FAQs)
Q: What makes Jaffer Law different from credit repair companies?
A: We are licensed Texas attorneys who sue under the FCRA. Credit repair companies can only send disputes — they can’t take legal action or get you compensation.
Q: Can I sue if my identity was stolen and the bureaus didn’t help?
A: Yes. If you sent the proper documentation (police report + FTC affidavit) and they failed to act, you may have a strong claim under the FCRA.
Q: Will this hurt my credit score?
A: No. Filing a dispute or lawsuit will not damage your credit — it’s often the only way to fix it.
Q: How much can I recover?
A: You may be entitled to $1,000 per violation (statutory), plus actual damages (like lost income, emotional distress), and punitive damages in egregious cases.
Q: Do I need to pay anything upfront?
A: No. We take FCRA cases on contingency. We only get paid if we win.
Contact Our Texas FCRA Attorneys Today
Your credit report matters. Your background report matters. Your future matters.
If you’re dealing with errors, delays, or denial of your rights, don’t face it alone.
Let Jaffer Law’s Texas credit attorneys and FCRA lawyers fight for your reputation, your finances, and your peace of mind.
