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Common Credit Report Errors

Posted by Roderick Woods | Jan 01, 2019 | 0 Comments

Many credit reports contain errors. Before we can attempt to fix them, we must identify them.

Some of the common mistakes that are made by credit reporting agencies are:

  • Reporting information related to identity theft
  • Illegally re-aging debt tradelines
  • Information that has been improperly merged
  • Discrepancies among credit reporting agencies
  • Delinquencies that are reported longer than seven years

While it is possible for a consumer to dispute inaccurate information with a credit reporting agency such as Experian, Equifax, or Transunion, it is important to bear in mind that the credit reporting agencies are paid by creditors to report information. As such, there is likely a tendency to disregard consumer credit disputes.

At The Woods Law Firm, LLC, we understand the credit reporting process and know what items to challenge in a credit report. The Fair Credit Reporting Act regulates the reporting of credit information and mandates that a credit reporting agency must complete a reasonable investigation when a dispute is received.

Contact us today at (860) 999-9757!

About the Author

Roderick Woods

RODERICK D. WOODS, ESQ. A summa cum laude graduate of the State University of New York and a graduate of Albany Law School of Union University in Albany, New York, Attorney Roderick D. Woods is an experienced litigator with a proven record of success in civil litigation. In 2007, he founded The Woods Law Firm, LLC, in Hartford, Connecticut, with a dedicated focus on representing individuals in a wide array of consumer litigation matters, including actions brought under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, the Fair Credit Reporting Act, and the Connecticut Unfair Trade Practices Act. Since 2015, Attorney Woods has been Of Counsel to Rights Protection Law Group, PLLC, of Boston, Massachusetts, and, in 2020, became Connecticut local counsel, managing all Connecticut litigation matters, for The Litigation Practice Group, P.C., a California-based firm devoted to consumer litigation. He authors two blogs, Connecticut Consumer Lawyer and The Daily Litigator.

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The Woods Law Firm, LLC represents clients throughout the state of Connecticut, including Hartford, Tolland, Putnam, New London, Middlesex, New Haven, Litchfield and Fairfield Counties.

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