CREDIT WRONGFULLY DINGED — Let R23 Law and the FCRA Set It Right
If your credit score has taken a hit due to inaccurate information, the Fair Credit Reporting Act (FCRA) gives you the power to fight back.
R23 Law’s California Consumer Protection Attorneys Work to Restore Your Financial Reputation.
Credit Report Errors Are More Common Than You Think
A single mistake on your credit report—like a false late payment, identity theft, or outdated account—can cost you thousands in interest, block job opportunities, or even keep you from renting a home. Worse, many consumers don’t realize they have legal rights under the Fair Credit Reporting Act (FCRA).
That’s where R23 Law’s California Consumer Protection Attorneys come in. We help clients across California dispute inaccurate credit data, hold credit bureaus accountable, and win compensation when their rights are violated.
What Is the FCRA—and Why Should You Care?
The Fair Credit Reporting Act (FCRA) is a federal law designed to ensure the accuracy, privacy, and fairness of your credit information. It sets strict rules for credit reporting agencies (CRAs) like Experian, Equifax, and TransUnion.
Under the FCRA, you have the legal right to:
Access your credit report every 12 months for free
Dispute incorrect or outdated information
Have verified errors corrected within 30 days
Seek compensation if your rights are violated
These protections are crucial for anyone looking to buy a home, finance a car, secure a job, or protect their identity.
Real Consequences from a Wrong Report
Your credit score isn’t just a number—it’s your financial fingerprint. Inaccuracies can lead to:
Loan denials or inflated interest rates
Employment background check issues
Lost housing opportunities
Stress and reputational harm
R23 Law's California Consumer Protection Attorneys have seen firsthand how devastating these mistakes can be. But the good news? You’re not powerless—and we’re here to help.
From Chaos to Control—R23 Law Consumer Protection Attorneys Work to Set Things Right
Dispute Inaccurate Credit Info
We guide you through the credit dispute process, helping gather evidence, file proper notices, and communicate effectively with credit bureaus and creditors. CRAs are legally obligated to investigate disputes within 30 days—if they fail, they may be liable.
Hold Violators Accountable
If a CRA or lender violates your FCRA rights, R23 Law can help you pursue legal remedies, including:
Statutory damages up to $1,000 per violation
Actual damages for emotional distress or financial harm
Attorney’s fees and costs
Punitive damages, in cases of willful noncompliance
Get Your Credit—and Life—Back on Track
We don’t just fix reports—we fight to restore your financial credibility and prevent future harm.
What to Do If You Spot a Credit Report Error
Get Your Free Reports
Visit annualcreditreport.com to obtain reports from all three bureaus.Look for Red Flags
Scan for unfamiliar accounts, incorrect balances, wrong addresses, or late payments that aren’t yours.Dispute In Writing
File your dispute with supporting documentation—always keep copies. And if you’re unsure what to do next...Call R23 Law
We’ll assess your case, handle the dispute, and take legal action if your rights were ignored.
Don’t Let a Credit Mistake Define Your Future
Whether it’s an innocent error or a reckless violation by a credit bureau, you don’t have to navigate the FCRA alone. R23 Law’s California Consumer Protection Attorneys are fierce advocates for consumers—strategic, experienced, and ready to clean up credit reporting chaos.
📞 Contact R23 Law Today for a Free FCRA Consultation
Credit problems caused by errors are legal problems—and legal problems deserve legal solutions. Our team has helped clients across California restore their credit, reclaim their financial integrity, and win the justice they deserve.
👉 Don’t wait. Let R23 Law Consumer Protection Attorneys and the FCRA set it right.
