YOUR CREDIT REPORT ISN’T HAUNTED — Equifax Just Got It Wrong
Equifax credit report errors can wreck your financial life.
R23 Law’s California Consumer Protection Attorneys explain how to dispute inaccuracies, repair your credit, and take legal action if needed.
Credit Report Errors Aren’t Just Annoying—They’re Dangerous
You check your Equifax credit report expecting routine updates—and suddenly, you’re marked as deceased. Or worse, your credit score has tanked because someone else’s debt showed up under your name.
This isn’t just a hypothetical. At R23 Law, we’ve seen clients denied mortgages, blocked from employment, and even shut out of rental housing because Equifax reported incorrect or outdated data.
These aren’t minor clerical errors. They’re violations of your rights—and under the Fair Credit Reporting Act (FCRA), they may be grounds for a lawsuit.
What Is Equifax and Why Does It Matter?
Equifax is one of the three major credit reporting agencies in the U.S., alongside Experian and TransUnion. They gather, analyze, and distribute your financial data to lenders, landlords, and employers.
When they get it wrong, the fallout is immediate:
Loan denials due to inaccurate late payments or high credit utilization
Job rejections because of flawed background check data
Housing barriers when landlords rely on tenant credit reports
Higher interest rates on auto loans or mortgages
The Worst Mistakes We’ve Seen on Equifax Reports
R23 Law’s California Consumer Protection Attorneys have represented clients in some jaw-dropping cases:
Mistaken Identity / Mixed Files: A client’s report included debt from someone with a similar name—but an entirely different credit history.
Deceased Error: Equifax flagged Angela from Louisiana as deceased, blocking her from refinancing her home. We secured the correction and financial compensation.
Closed Account Nightmare: Jerald in Colorado lost a home purchase after Equifax incorrectly marked an active credit line as closed. That mistake almost cost him his family’s future. We stepped in, and he walked away with a settlement—and a restored credit file.
Can You Really Sue Equifax?
Yes—and you absolutely should if your credit report includes:
Accounts that don’t belong to you
Incorrect payment statuses
Personal information for someone else
Reports that you’re deceased (yes, it happens!)
Repeated reporting errors that remain unresolved
The Fair Credit Reporting Act gives you the right to dispute errors, demand investigations, and sue if those errors aren’t resolved in a timely or accurate manner.
How to Dispute Equifax Credit Report Errors
Here’s the process our team often guides clients through:
Request your free credit report from AnnualCreditReport.com
Identify and document the error (take screenshots, gather billing statements, etc.)
File a dispute with Equifax via mail—do not use their online platform if it requires you to waive your legal rights
Contact R23 Law to ensure your rights are fully protected throughout the process
If the error isn’t resolved in 30–45 days, you may have grounds to file a lawsuit for damages, including emotional distress, lost opportunities, and financial losses.
Know Your Rights: What the FCRA Guarantees
Under the Fair Credit Reporting Act, you’re entitled to:
A free, accurate credit report
The right to dispute errors
A response from Equifax within 30 days
The right to sue for damages
Attorney’s fees paid by Equifax if you win
If Equifax fails to meet any of these obligations, R23 Law’s California Consumer Protection Attorneys are ready to take action.
Don’t Let Equifax Write Your Financial Story
Too many people assume credit bureaus are untouchable. They’re not.
Whether you’re applying for a mortgage, job, or apartment—your credit report has power. But only if it’s accurate.
If Equifax made a mistake on your report, don’t let it slide. Let R23 Law review your case, guide you through the dispute process, and—if needed—take legal action to hold Equifax accountable.
📞 Contact R23 Law’s California Consumer Protection Attorneys today for a no-cost consultation. We’ll review your report, handle the paperwork, and fight to restore your financial reputation.
