It is important to protect the health and safety of your credit, as it can make a considerable difference in your financial options. When credit reporting agencies make mistakes on your credit report, it can have a negative or even damaging impact. You will need to report the error as quickly as possible so that a correction can be made. Sharmin & Sharmin P.A. Florida credit report error attorney can help you through this process, as well as help you resolve any issues that arise. Call Sharmin & Sharmin P.A. today for a free consultation at 561-655-3925.
File a Florida Credit Report Error Complaint and Request Corrections
You have the right to dispute a credit report error when agencies make mistakes. To do so, you must first file a written complaint with either Equifax, Experian, or TransUnion, as applicable. In your complaint, you will need to outline the error you found, provide evidence of the error, and show what the correct information should be. If there are multiple errors, you will need to provide information for each mistake. In your complaint, you will also need to request that the error be removed and corrected on your credit report.
Once you have filed your complaint with the credit reporting agency, you will also need to file a complaint with the company that provided the erroneous information. Again, you should notify them of the error, provide supporting documentation, and request that the information be corrected. These companies are obligated to investigate your complaint. Once the error has been verified, they will correct the information on your credit report. It is important to closely monitor your credit report during this time to make sure that your credit report is fixed and that no new errors appear.
Your Options in Florida When Further Action is Necessary
Despite following the complaint process, there may be times when the credit reporting agency does not correct your report. When this happens, you have a few options available to you. First, you can submit another complaint with additional evidence. If this does not yield the desired results, you can also file complaints with the Consumer Financial Protection Bureau (CFPB) or Florida’s Consumer Protection Agency.
You also have the right to sue if reporting agencies refuse to fix mistakes on your credit report. A Florida attorney can communicate with these other parties to ensure that inaccurate information is removed and your credit is protected. Agencies may be more likely to act when you have legal representation on your side. A lawyer can also help you recover damages if you suffered losses because of the mistakes on your credit report.
Protect Your Florida Credit Report
Resolving a credit report error dispute in Florida can take time, but it is an essential step for protecting your credit. Whether agencies fix errors right away or you have to take additional action, Sharmin & Sharmin P.A. can discuss your options and provide counsel to help you settle the matter as quickly as possible. You should also be sure to monitor your credit regularly in order to catch potential errors early. Contact Sharmin & Sharmin P.A. today at 561-655-3925.
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