MISFILED AND MISJUDGED — When Credit Reporting Errors Derail Your Future
Errors on Your Credit Report Can Cost You More Than a Loan—They Can Cost You Peace of Mind
If you've ever been denied for a credit card, loan, or rental and had no idea why, your credit report might be to blame. But not because of your financial habits—because of someone else’s mistake.
At R23 Law, our California Consumer Protection Attorneys help clients across the state identify and correct credit reporting inaccuracies. We know how a single error can create a ripple effect—and we know how to fight back when the system fails to fix it.
Common Causes of Credit Report Errors
Mistakes on your credit report can stem from:
Incomplete or Outdated Information
Closed or paid-off debts still showing as open or unpaid
Unauthorized Accounts
Often due to identity theft—accounts you didn’t open in your name
Misapplied Payments
Payments you made on time are marked late, increasing your balance
Data Entry Errors
Transposed digits, mixed-up names, or incorrect Social Security numbers can link your profile to someone else’s file
These errors can instantly drop your credit score and leave you struggling to qualify for financing or employment.
Why These Mistakes Matter
The consequences are serious:
Higher interest rates on loans and credit cards
Rejections for housing or employment
Collection calls for debts you don’t owe
Long-term credit damage that affects your financial reputation
Even worse, some credit bureaus or lenders ignore valid disputes—leaving you stuck with errors that keep showing up.
You Have Rights—and We Make Sure They’re Enforced
Under the Fair Credit Reporting Act (FCRA), you have the right to:
Dispute false or misleading credit data
Receive a timely investigation (within 30 days)
Demand correction or deletion of inaccurate information
Sue for damages if these rights are ignored
At R23 Law Consumer Protection Attorneys, we don’t just send letters. We build legal cases to ensure agencies and creditors take your dispute seriously—and compensate you when they don’t.
How R23 Law Helps with Credit Disputes
Our legal team helps clients across California by:
Reviewing credit reports for false or outdated items
Gathering key documentation (ID theft affidavits, billing statements, dispute letters)
Submitting disputes to bureaus and following up when ignored
Filing formal complaints or lawsuits if needed
Whether your dispute involves a reporting agency, a lender, or both, we’re ready to help you take control of your credit file.
📱 SoCal: (310) 598-1588
📧 Email: info@R23Law.com
🔗 Contact Us
R23 Law — Legal Backup for Californians Fighting Credit Injustice
A typo shouldn’t define your financial future. We’re here to fix the record—and defend your rights every step of the way.
