Credit Report Errors Lawyer, Texas & Alabama
Inaccurate Information on Your Credit Report?
What can I do about errors on my credit report?
In general, if the credit bureaus or a company that reports to them keep inaccurate information on your report after you dispute it, federal law may let you demand a correction and recover damages. The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681, generally requires the bureaus, Equifax, Experian, and TransUnion, and the businesses that furnish them data to investigate disputes and fix verified errors. The details, deadlines, and exceptions vary, and every situation is different, so it’s worth having an attorney review the specifics of your report.
Your credit report affects whether you can get a mortgage or car loan, the rate you pay, your ability to rent a home, and even some job offers. When inaccurate, outdated, or fraudulent information shows up and isn’t fixed, the consequences fall on you.
Common credit report errors
Errors show up in many forms. Some of the most common include:
- Accounts that aren’t yours, often from identity theft or mixed credit files
- Debts you already paid or settled still showing as owed
- A single debt reported more than once
- Incorrect balances, credit limits, or payment history
- Debts discharged in bankruptcy still listed as active
- Old debts “re-aged” to look more recent
This list is general and not exhaustive, other problems can support a claim too.
What should I do if I find an error?
Generally, the first steps are to get your reports from all three bureaus, dispute the error in writing with both the bureau and the company that reported it, and keep copies of everything. If the error isn’t corrected after you dispute it, that’s often when a claim becomes possible. Save your dispute letters, the responses, and any proof of harm such as a denied loan or a higher interest rate. Because deadlines and exceptions apply, it’s best to have a lawyer review your specific facts.
How John C. Hubbard, LLC helps
John C. Hubbard, LLC represents consumers across Texas and Alabama in credit reporting disputes. We deal with the bureaus and furnishers, push to get reports corrected, and pursue the damages the FCRA allows where the facts support it. The initial case review is free.
Trial experience
John has obtained jury verdicts in federal court for consumers in Fair Credit Reporting Act cases. Every case is different, and prior results do not guarantee a similar outcome.
Reviewed by John C. Hubbard, Attorney, admitted in Alabama (2008) and Texas (2018), John C. Hubbard, LLC. Last updated June 2026.
This page is general information, not legal advice. Every situation is different, the rules have exceptions, and deadlines vary, so nothing here is a promise about your case. Reading this or contacting the firm does not create an attorney-client relationship. For advice on your specific situation, have it reviewed by a licensed attorney.
Written by John C. Hubbard, attorney admitted in Alabama (2008) and Texas (2018).