Inaccurate Credit Reports

Standing up for truth in credit reports has been at the core of what we do since the Goolsby Law Office, LLC, was founded in 2006.

Common credit report inaccuracies that we see include:

    Disputing Credit Report

  • Information belonging to a different person with a similar name
  • Information resulting from identity theft
  • Paid debts showing as unpaid
  • Debts discharged in bankruptcy showing as owing
  • Duplicate (or even triplicate) accounts
  • Authorized users shown as if they owe
  • Many more

When you’ve got false or outdated information on your credit report or other consumer report, it’s hard to know where to turn.  There’s a lot of hype on the internet, TV, and elsewhere about credit reports and credit scores.  Lots of companies are happy to take your money for “credit repair,” but what are you really getting?

When you need to cut through all the noise, and want to talk to an experienced attorney about what your rights really are and what you can affordably do about them, contact the Goolsby Law Office, LLC, for a free consultation.  We’ll figure out together if a Fair Credit Reporting Act lawsuit is right for you.


The Fair Credit Reporting Act:

  • Requires reporting agencies to use reasonable procedures to assure maximum possible accuracy whenever they prepare consumer reports, including traditional credit reports, employment background reports, and tenant screening reports;
  • Requires reporting agencies to perform reasonable “reinvestigations” of information disputed by a consumer;
  • Requires companies that furnish information to reporting agencies to perform reasonable investigations of consumer disputes that are forwarded to them by reporting agencies;
  • Requires reporting agencies, after a reinvestigation, to delete information that is determined to be inaccurate or that cannot be verified, and prohibits the reinsertion of that information unless the furnisher certifies its accuracy and the reporting agency notifies the consumer;
  • Generally requires reporting agencies to block information that is the result of identity theft if the consumer/victim gives proper notice;
  • Generally bars from credit reports bankruptcies that are more than ten years old and most other information that is more than seven years old;
  • Bars credit reports from being issued unless there is a permissible purpose; and
  • Allows consumers to get free copies of their credit reports at least once a year.

If a credit bureau, a user of credit reports, or a company that reports to credit bureaus has broken the law, we’ll go after them and make them pay.  

Despite its name, the Fair Credit Reporting Act doesn’t just apply to credit reports, such as those from Equifax, Experian, or Trans Union.  The Fair Credit Reporting Act also applies to:

  • Tenant screening reports;
  • Employment background reports;
  • Medical information bureau reports for purposes such as life insurance applications; and
  • Any other type of “consumer report.”

Want to get accurate, recent information off your credit reports?  Sorry, we can’t help with that – and you should beware of credit repair companies that claim they can.  They’ll be happy to take your money, but it’s probably a scam. At the Goolsby Law Office, LLC, we’re willing to fight – but only for the truth.  

Have you been ripped off by a credit repair scam?  We bring lawsuits for that, too.  


Contact us for a Free Consultation:

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