How to Sue Equifax for Unsettled Credit Report Error Dispute

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What’s on an Equifax Credit Report?

Equifax is one of the three biggest credit reporting agencies and screening services to consumers and businesses regarding an individual’s credit and background information.

Some of Equifax’s services include:

  • credit reports and credit scores
  • tenant and resident background checks
  • employment verifications

You have the right to request and view a copy of your Equifax credit report. Regularly monitoring your Equifax file and the information on it can help you catch errors early on and correct them.

Errors on your Equifax Credit Report

The consequences of an error on your credit report include:

  • lower credit score
  • loss of a job opportunity
  • denial of loan and credit applications
  • higher interest rates for your credit card, private student loans, and home mortgage
  • higher insurance premiums for your home and car

Common credit report errors include clerical errors, outdated information and merged accounts. If you don’t recognize account activity on your Equifax credit report, that could be a sign of identity theft or other costly errors.

How to File an Equifax Credit Report Dispute

Under the Fair Credit Reporting Act (FCRA), you have a right to request a copy of your Equifax credit report, give consent to who can see your file, and know when a credit report is used against you. The FCRA gives you the right to dispute Equifax for an error on your credit report and have the error removed.

Different Ways to Submit an Equifax credit dispute:

There are three ways you can file an Equifax credit report dispute:

Once you submit your Equifax dispute, Equifax has a 30-day window to verify and correct the mistake. In the meantime, you can see your Equifax dispute status online.

If you receive your Equifax dispute results and see that the error was not fixed, you have the right to sue Equifax.

How Can I Sue Equifax?

After you file an Equifax dispute, Equifax has 30 days to verify that the information is incorrect and fix the mistake.

If 30 days pass and your Equifax disputes don’t correct the mistake, you can sue Equifax.

The attorneys at Francis and Mailman are ready to help you sue Equifax for unresolved credit report errors. Get your free case review and call us toll-free at 1-877-735-8600 today.

What to Know About the Equifax Data Breach

In 2017, a breach in Equifax’s databases exposed the personal and sensitive information of 143 million Americans. From mid-May to July, hackers had access to consumer’s names, addresses, dates of birth, Social Security numbers and driver’s license numbers.

In the aftermath of the Equifax data breach, you can place a credit freeze on your files. It’s important to monitor your file closely and make sure there is no error on your Equifax credit report.

Equifax Contact Information

Address P.O. Box 740256
City Atlanta
State Georgia
Zip Code 30374-0256
Phone 866-349-5191
Website www.equifax.com

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