Your credit report should reflect your financial truth—not someone else’s mistakes.

But for thousands of Californians, inaccurate debts sneak their way into credit files, tanking scores and triggering unjust denials of loans, jobs, or housing.

At R23Here’s the twist: You may not need to pay off those debts to make them disappear. Thanks to the Fair Credit Reporting Act (FCRA), you may have the legal right to eliminate false or inaccurate debt entries altogether.

At R23 Law California Consumer Protection Attorneys, we are helping clients across the state wipe away the errors that don't belong to them—and reclaim their financial credibility in the process.

What Is the FCRA and How Can It Help?

The Fair Credit Reporting Act (FCRA) is a federal law designed to protect consumers from inaccurate or misleading information in credit reports. If your credit report includes:

Debt that doesn’t belong to you
Errors in balances, account statuses, or dates
Information caused by identity theft or fraud

…then you may have a right to dispute and remove that information entirely.

This is more than cleaning up your report—this is financial damage control with powerful legal backing.

FCRA Debt Elimination in 5 Simple Steps

Here’s how R23 Law’s California FCRA Lawyers guide clients through the process:

1. Pull Your Reports

You’re entitled to one free report annually from each of the three credit bureaus—Equifax, Experian, and TransUnion—at AnnualCreditReport.com. Reviewing all three ensures you catch inconsistencies across agencies.

2. Identify Inaccuracies

Common red flags include:

Accounts you don’t recognize
Balances that don’t match your records
Debts reported long after they've been paid or discharged

3. Gather Evidence

Compile bank statements, payoff letters, identity theft reports, or anything else that proves the disputed item is inaccurate.

4. Submit a Dispute

You (or your attorney) will send a formal dispute letter to each credit bureau, outlining the specific errors and including your supporting documentation.

Pro tip: Send everything by certified mail with return receipt requested, or use each bureau’s secure online portal.

5. Track and Monitor

Once you dispute the entry, the bureau has 30 days to investigate. If they agree with your claim, they must remove or correct the entry and send you a free copy of your updated report.

Medical Debt? Here's the Good News

Thanks to recent updates and federal actions—including guidance from the Biden-Harris Administration—credit bureaus are limiting how and when medical debt appears on your report. For example:

Paid medical debts no longer appear on reports
Debts under $500 are excluded
Older debts have shorter reporting periods

Still seeing medical collections that don’t belong? R23 Law’s California Consumer Protection Lawyers can help you challenge and eliminate those entries.

Why Legal Support Makes the Difference

Credit reporting agencies don’t always play fair. They may:

Deny valid disputes
Delay responses beyond FCRA timelines
Fail to notify creditors properly
Ignore documentation altogether

That’s where R23 Law steps in.

Our team has helped clients eliminate fraudulent debt entries, recover damages, and stop the negative financial domino effect that credit report errors can cause. We’ve secured over $1 billion in relief for consumers—just like you.

When Mistakes Cost You, Compensation May Be Possible

If a credit bureau’s failure to correct an error leads to:

Rejected mortgage or loan applications
Higher interest rates
Lost job opportunities
Emotional distress

…you may be entitled to actual, statutory, or punitive damages under the FCRA. Don’t just fix the record—seek justice for the harm caused.

Partner with R23 Law's California Credit Report Attorneys

Let us review your report, evaluate potential violations, and develop a plan for correcting your records—and possibly pursuing compensation. Our consultations are free, confidential, and available in multiple languages.

💻 Contact us online to schedule your free case evaluation with our R23 Law California Consumer Protection Lawyers.

Final Thought: Don’t Let Errors Define You

Inaccurate debt entries aren’t just paperwork problems—they're barriers to your financial future. Let R23 Law’s Consumer Protection Attorneys help you take control of your credit, clear your name, and move forward with confidence.

GHOSTS DEBTS BE GONE — Using the FCRA to Vanish False Credit Report Entries

Your credit report should reflect your financial truth—not someone else’s mistakes.