CREDIT WRECKED? HOW TO FIGHT BACK AGAINST FRAUDULENT CREDIT
When your credit report gets hit with errors or fraud, your financial life can spiral fast. In Los Angeles—a city where your credit score might decide if you get a job, an apartment, or a loan—one mistake on your credit file can cost you thousands.
At R23 Law, we’ve helped countless Californians fight back against inaccurate and fraudulent credit reporting. Whether you’re a victim of identity theft or a credit bureau has made a mess of your file, you don’t have to take it lying down.
What Is Fraudulent Credit Reporting?
Fraudulent or inaccurate credit reporting happens when wrong information—like fake accounts, outdated balances, or identity theft—appears on your credit report. It can come from:
Identity theft: Someone opens accounts in your name.
Clerical errors: Creditors or bureaus mix up accounts.
Outdated info: Paid debts still showing up as unpaid.
Merged files: You’re confused with someone else with a similar name or Social Security number.
And the results? Denied loans, sky-high interest rates, or missed job opportunities.
Know Your Rights Under the FCRA (and Why You Might Need a Lawyer)
The Fair Credit Reporting Act (FCRA) gives you the right to accurate credit information—and the power to dispute errors. But while the law sounds good on paper, credit bureaus don’t always play fair. That’s where R23 Law comes in.
Our Credit Reporting Attorneys help you:
Dispute and delete errors
Demand corrections from credit bureaus
File FCRA lawsuits when your rights are violated
Pursue compensation for emotional distress, denied credit, or job loss caused by bad reporting
And if the bureaus ignore your dispute or continue to report wrong information? You may be entitled to statutory and actual damages—sometimes even punitive damages.
Time Is Money: Why You Can’t Afford to Wait
Every day an error stays on your credit report is another day you could:
Get denied for credit or housing
Pay more for insurance or car loans
Lose out on job opportunities
Suffer stress, anxiety, and reputational harm
The faster you act, the better. R23 Law will move quickly to file disputes, collect documentation, and—if needed—take legal action.
📞 Let’s Fix This: Talk to a Credit Reporting Lawyer Today
