Credit Report Error Lawyers Serving Minneapolis–St. Paul
If you’ve been denied a mortgage in Edina, turned down for an auto loan in St. Paul, or rejected from a job in downtown Minneapolis due to inaccurate credit reporting, you may have a claim under the Fair Credit Reporting Act (FCRA).
At FCRA Attorneys, we fight for Minnesotans harmed by false, outdated, or mishandled credit information. Whether you live in Minneapolis, St. Paul, Bloomington, or anywhere across the state, our credit report error lawyers are ready to protect your rights and help you seek justice.
WE CAN GET YOU COMPENSATION
FREE CASE EVALUATION
(888) 498-9533
What Is the Fair Credit Reporting Act?
The FCRA is a federal law that governs how credit reporting agencies (like Equifax, Experian, and TransUnion) and data furnishers (like banks, lenders, and debt collectors) collect, share, and correct your personal credit information.
The law gives you the right to:
- Access free copies of your credit reports once a year
- Dispute inaccurate or incomplete information
- Have errors corrected within 30 days
- Be notified if a credit report is used to deny you
- Block fraudulent accounts due to identity theft
- File a lawsuit and recover compensation if your rights are violated
Our Minneapolis–St. Paul credit reporting error lawyers help ensure these rights are protected and enforced.
Common Credit Reporting Errors in the Twin Cities
Credit report issues can arise for many reasons — and they affect people from all walks of life in the Twin Cities metro area. The most frequent violations we handle include:
1. Mixed or Merged Credit Files
Your report contains information from another person with a similar name, address, or Social Security number.
2. Identity Theft
Fraudulent accounts or inquiries appear on your report and are not removed even after providing proof of theft.
3. Incorrect Payment Status
Accounts that are closed, paid, or settled are wrongly listed as delinquent, charged-off, or in collections.
4. Re-aged or Duplicate Debt
Old accounts are updated to appear more recent, or listed multiple times, unfairly lowering your credit score.
5. Outdated Negative Information
Late payments, collections, or bankruptcies remain on your report longer than the legally allowed 7–10 years.
6. Failure to Investigate Your Dispute
The FCRA requires credit bureaus to conduct a reasonable investigation when you submit a written dispute. If they ignore, delay, or rubber-stamp the response, that’s a violation.
How Credit Report Errors Hurt Consumers in Minnesota
In a competitive housing and job market like Minneapolis–St. Paul, even one small credit error can cause major problems:
- Higher interest rates on mortgages, car loans, or personal loans
- Loan and credit card denials
- Rental application rejections
- Job loss or disqualification (especially in finance or security)
- Emotional stress and financial instability
These harms are real — and preventable. Our team helps you correct the issue and get compensated.
What You Can Recover in an FCRA Lawsuit
When your FCRA rights are violated, you may be entitled to:
- Statutory damages up to $1,000 per violation
- Actual damages for lost opportunities, emotional distress, or financial losses
- Punitive damages in cases of willful misconduct
- Attorney’s fees and court costs, paid by the other side
At FCRA Attorneys, we work on a contingency basis — meaning you pay nothing unless we win your case.
Why Choose FCRA Attorneys for Your Twin Cities Case?
We are not a credit repair company. We are a nationwide law firm focused solely on FCRA violations. Our lawyers have experience suing credit bureaus, banks, and data furnishers in federal court — and we know how to win.
Here’s why Minnesotans trust us:
- ✅ Free case evaluations
- ✅ No upfront fees — ever
- ✅ Federal court experience
- ✅ Deep knowledge of credit reporting laws
- ✅ Personalized service from real attorneys
What To Do If You Spot a Credit Report Error
- Request Your Reports: Visit AnnualCreditReport.com for your free Equifax, Experian, and TransUnion reports.
- Review Carefully: Look for unfamiliar accounts, incorrect statuses, duplicate items, or outdated data.
- Send a Written Dispute: Include documentation and send to both the credit bureau and the furnisher.
- Keep Documentation: Save all letters, reports, screenshots, and dispute confirmations.
- Call FCRA Attorneys: If the error isn’t corrected — or caused financial harm — we’ll step in to protect your rights.
Areas We Serve in Minnesota
Our legal team helps clients throughout:
- Minneapolis (North Loop, Uptown, Powderhorn, Nokomis)
- St. Paul (Highland Park, Como Park, East Side)
- Bloomington, Eagan, Edina, and Brooklyn Park
- Maple Grove, Woodbury, and Burnsville
- Rochester, Duluth, and greater Minnesota
Remote consultations available statewide.
Contact a Minneapolis–St. Paul Credit Report Error Lawyer Today
You don’t have to accept false information on your credit report. Whether it’s costing you loans, jobs, or peace of mind, we’ll help fix the problem — and fight to get you paid.
WE CAN GET YOU COMPENSATION
FREE CASE EVALUATION
(888) 498-9533
Disclaimer: FCRA Attorneys handles federal Fair Credit Reporting Act (FCRA) cases exclusively in United States District Courts. Our attorneys may or may not be licensed in the state courts of this jurisdiction and do not handle any state-law matters.
Legal services in this state may be provided by an attorney who is licensed in this state and/or admitted to practice before the United States District Courts located in this state. That attorney will be responsible for all legal services provided to clients in this jurisdiction.
Attorney Advertising: Prior results do not guarantee a similar outcome.