Fighting Back Against Credit Report Errors
Jaffer Law – Trusted Consumer Protection Lawyers Serving Dallas-Fort Worth
Your credit report is one of the most important financial tools in your life. It affects your ability to secure a mortgage, rent an apartment, buy a car, obtain credit cards, and even get a job. Unfortunately, millions of Americans — including many in Dallas and the broader DFW metroplex — have errors on their credit reports that cost them real money and opportunities.
At Jaffer Law, we don’t just dispute credit report errors — we sue credit bureaus and creditors who violate your rights under the Fair Credit Reporting Act (FCRA). Our Dallas credit attorneys are fierce advocates for consumers, holding major players like Equifax, Experian, TransUnion, and banks accountable for the harm they cause.
📞 Call for a Free Case Evaluation: (214) 833-2450
🏛️ Serving Clients Across Dallas-Fort Worth and Throughout Texas
Why Credit Report Errors Matter
Credit reporting errors can significantly lower your credit score, making loans more expensive or inaccessible. Lenders use credit scores to determine not only whether to lend but also what interest rate to charge. Even a small drop in your score due to an error can lead to:
- Higher interest rates on loans and credit cards
- Denial of mortgages, apartments, or car leases
- Loss of job opportunities (especially in finance, government, or security roles)
- Increased insurance premiums
In some cases, consumers pay thousands of dollars more because of errors that never should have been there in the first place.
Common Credit Report Errors We Litigate
1. Furnishing Outdated or Inaccurate Information
Creditors and credit reporting agencies must ensure that only current and accurate data appears on your report. Common violations include:
- Reporting a debt that was discharged in bankruptcy
- Re-aging old debts to make them look recent
- Misreporting closed accounts as still open or active
- Listing debts older than 7 years, or bankruptcies older than 10 years
- Duplicate reporting of the same account under different names
- Mixing your file with another person who has a similar name or SSN
- Showing you as deceased when you’re very much alive
- Deleted accounts reappearing on your report after a successful dispute
These errors are more than just frustrating — they’re violations of federal law.
2. Inaccurate or Incomplete Account Reporting
The law requires that all information reported be accurate and complete. We see frequent issues such as:
- Reporting a settled or paid debt as charged off
- Inflated balances that don’t match your actual debt
- Late payments reported even though you paid on time
- Reporting accounts that don’t belong to you
- Listing authorized users as primary account holders
- Failing to note that an account was the result of identity theft
- Incomplete reporting of your payment history
Credit Disputes and What Happens When Bureaus Don’t Follow the Rules
Under the FCRA, if you dispute information on your credit report, the credit bureaus must conduct a reasonable investigation — and do it within 30 days. If they don’t, they’re breaking the law.
Common violations during disputes include:
- Not notifying the furnisher (i.e., the creditor or lender) about your dispute
- Conducting a superficial or “automated” investigation
- Failing to delete unverifiable or inaccurate information
- Ignoring consumer-submitted documentation, like receipts, letters, or court judgments
- Continuing to report incorrect information even after it’s been proven false
If this happens, you may be entitled to compensation — and we may be able to file a lawsuit on your behalf.
Additional FCRA Violations We Handle
Privacy Violations
Your credit report should only be accessed for a “permissible purpose” under the law. We’ve helped clients where companies pulled their reports without authorization — often during employment screening, marketing, or even personal vendettas.
Misuse of Credit Reports
When companies or individuals misuse your credit report data, they can be held liable for damages, especially if they’ve cost you a job, credit approval, or housing.
Failure to Provide Adverse Action Notices
If you were denied credit, employment, or housing based on your credit report, the company must provide you with an “adverse action notice.” Failure to do so is a violation of federal law.
What Remedies Are Available if Your Rights Were Violated?
Under the FCRA, there are strong penalties for credit bureaus, creditors, and other data furnishers that break the law:
For Willful Violations:
- Statutory damages up to $1,000 per violation (no need to prove actual harm)
- Actual damages, which can be thousands of dollars if you lost a job, paid a higher rate, or suffered other harm
- Punitive damages, if the conduct was especially reckless
- Attorney’s fees and court costs – the defendant pays if you win
For Negligent Violations:
- Actual damages
- Attorney’s fees and court costs
These protections are powerful — but only if you take action. That’s where we come in.
Why Choose Jaffer Law as Your Dallas FCRA Attorney?
We’re not a credit repair company. We’re a law firm that sues the credit bureaus and debt collectors when they break the law. Here’s why more Dallas residents are turning to us for help:
✅ Free Case Evaluations – No upfront fees
✅ Aggressive Litigation – We don’t just dispute, we litigate
✅ Local Expertise – Based in Dallas, proudly serving Fort Worth, Arlington, Plano, Frisco, and the entire DFW area
✅ Proven Track Record – Real results for real people
✅ Compassionate Representation – We listen. We care. We fight for you.
We are your local consumer rights advocates — driven by the mission to empower individuals against the credit system giants that often act with impunity.
When Should You Call a Credit Reporting Attorney?
If any of the following sound familiar, call us right away:
- You’ve disputed errors with Equifax, Experian, or TransUnion but they refuse to fix them
- You’re being denied credit, housing, or employment due to incorrect credit report data
- You see accounts that aren’t yours or were the result of identity theft
- Your credit report shows you as deceased
- A creditor is furnishing outdated or duplicative information
📞 Call Today for a Free Case Review
(214) 833-2450
Jaffer Law – Dallas Credit Attorneys
Serving Dallas, Fort Worth, and all of Texas
Take Action Now – Don’t Let Credit Errors Ruin Your Life
Credit reporting errors are not just clerical mistakes — they’re serious violations that can wreck your finances, damage your reputation, and hold you back from key life opportunities. But you don’t have to face this fight alone.
Let Jaffer Law be your advocate.
We stand up to credit bureaus, banks, debt collectors, and furnishers to protect your rights and get you the compensation you deserve under the FCRA. Call us today to get started.
🔒 Free and Confidential Consultation
📍 Based in Dallas, Serving All of Texas
📞 (214) 833-2450
Jaffer Law – When Credit Bureaus Get It Wrong, We Make It Right.