WRONG CREDIT, REAL DAMAGE — Fixing Credit Report Errors Before They Cost You
Credit Report Inaccuracies Aren’t Just Annoying—They’re Financially Dangerous
Whether you’re applying for a mortgage, financing a car, or securing a rental, your credit report is a gatekeeper. But what happens when that report contains errors?
From outdated debts to accounts you never opened, inaccuracies on your credit file can tank your score, raise your interest rates, or even get your rental application denied. At R23 Law, our California Consumer Protection Attorneys help you fix those errors—and hold credit bureaus accountable when they don’t.
Why Credit Report Errors Happen
Credit reporting mistakes aren’t rare. They happen because:
Data entry errors mix up your information with someone else’s
Paid debts are still listed as outstanding
Identity theft results in fraudulent accounts under your name
Outdated records remain even after the statute of limitations expires
If you’ve noticed your score dropping for no reason or found unfamiliar accounts on your report, it may be time to investigate.
The Cost of Leaving Errors Unchecked
Even minor mistakes can cause:
Mortgage or loan rejections
Skyrocketing interest rates on credit cards or auto loans
Job or housing denials, especially in sensitive industries
Stress and wasted time trying to explain what happened
Many consumers spend months fighting to correct just one inaccurate entry. The longer errors linger, the more damage they cause.
How to Fix Credit Reporting Mistakes—The Right Way
To dispute an error effectively:
Gather Documentation
Payment confirmations
Letters from creditors
Past credit reports showing clean records
Write a Dispute Letter
Send it to all three bureaus (Equifax, Experian, TransUnion). Include your evidence and request a full investigation.Follow Up
Credit bureaus must respond within 30 days. If they don’t—or if the issue persists—you may need legal support.
When It’s Time to Involve a Lawyer
At R23 Law Consumer Protection Attorneys, we take over when:
Bureaus fail to remove false information after a valid dispute
You’ve suffered job loss or financial harm due to a credit error
Your identity was stolen and fraudulent accounts remain
A creditor refuses to fix an error, even after you provide proof
We don’t just dispute entries. We hold the responsible parties legally accountable under the Fair Credit Reporting Act (FCRA) and California consumer protection laws.
R23 Law Helps Californians Reclaim Their Credit
We assist with:
Formal FCRA disputes
Documentation and evidence gathering
Filing lawsuits when bureaus or creditors ignore your rights
Pursuing compensation for lost time, money, and opportunity
Let us help you move forward with a clean record—and fewer financial obstacles.
📞 Toll-Free: 310-598-1588
📧 Email: info@R23Law.com
🔗 Contact Us
R23 Law Consumer Protection Attorneys — Repairing Credit Reports. Rebuilding Financial Confidence.
You deserve a credit report that reflects the truth—not someone else’s mistake. Let us help you clear your name and claim your future.
