When you open an account with a bank, you expect your information to be handled with care. But that trust can be broken when a bank reports inaccurate information to credit bureaus. Even a single reporting error can result in a lower credit score, difficulty getting approved for new credit, higher interest rates, or even denial for a home or car loan.
If your bank is reporting false or incomplete information and refuses to fix it, filing a lawsuit to correct your credit score may be your best option. You have rights under the Fair Credit Reporting Act (FCRA), and when those rights are violated, you can take legal action against the bank or any other party responsible.
Don’t wait while your credit suffers. If your disputes are being ignored, call Brennan Law today to explore your legal options.
The steps involved
Filing a lawsuit to correct your credit score is something most people never expect to do. But if your credit is suffering because of false reporting, legal action may be necessary. However, before you sue, there are several important steps to take beginning with the dispute process.
Start by hiring an attorney who understands credit reporting laws and has experience going up against banks and credit bureaus. A consumer protection lawyer can guide you through the dispute process, help you gather documentation, and advise you on your next steps.
Next, obtain a copy of your credit report from each of the major reporting agencies. Look closely for errors, such as incorrect balances or accounts that don’t belong to you. Once you’ve identified the mistakes, submit disputes in writing to both the bank and the credit bureaus. Include supporting documentation and request a correction in clear terms.
If the errors are not resolved, and your credit continues to be impacted, you have the right to file a lawsuit. Under the FCRA, banks are legally required to investigate and correct mistakes in a timely manner. If they fail to do so, legal action can help you recover damages and restore your credit.
It can take time. But it’s worth it.
Fixing your credit score can take time — but when false information drags down your score, waiting too long to act can cost you more. The longer your bad credit stays unresolved, the more damage it can do. Filing a lawsuit is sometimes the only way to break the cycle and get your credit back where it should be.
But successful credit score disputes often come down to strategy, timing, and the right legal guidance. Robert F. Brennan is an experienced FCRA attorney in Los Angeles who knows how to pressure the bank, gather evidence, and move your case forward. When your financial credibility is at stake, Brennan Law is on your side.
Stop wasting time chasing responses or sending dispute letters that go ignored. Call today.