Inaccurate credit reports have been at the core of our work since Goolsby Law Office, LLC, was founded in 2006. We regularly see errors like information tied to someone with a similar name, identity-theft accounts, paid debts reported as unpaid, debts discharged in bankruptcy still showing as owed, duplicate accounts, and authorized-user accounts reported as if the consumer is personally responsible.

When false or outdated information shows up on a credit report or other consumer report, it is hard to know where to turn. There is a lot of noise and hype, and plenty of “credit repair” businesses are eager to take your money without delivering real, lawful results. If you want clear, grounded advice about your rights and practical options, contact us for a free consultation. We will talk through the facts and determine whether a Fair Credit Reporting Act claim makes sense.

The Fair Credit Reporting Act requires consumer reporting agencies to use reasonable procedures to ensure accuracy, conduct reasonable reinvestigations when consumers dispute items, and delete information that is inaccurate or cannot be verified. It also places obligations on companies that furnish information, limits how long certain negative items can remain, requires a permissible purpose to issue a report, and allows consumers to obtain free annual copies. The law applies beyond traditional credit reports, it can also cover tenant screening, employment background checks, insurance-related consumer reports, and other “consumer reports.” If a credit bureau, a furnisher, or a user of a report has broken the law, we will go after them and make them pay.

One important note: we do not help people remove accurate, recent negative information from their reports, and you should be wary of any company claiming they can. We fight for the truth, and if you have been ripped off by a credit repair scam, we handle those cases, too.