Detroit Credit Reporting Error Lawyers
If you’ve been denied a mortgage in Grosse Pointe, turned down for an auto loan in Dearborn, or lost a job opportunity in downtown Detroit due to incorrect credit report information, you may have a legal claim under the Fair Credit Reporting Act (FCRA).
At FCRA Attorneys, we help residents of Detroit, Wayne County, Oakland County, and Macomb County correct credit reporting errors and pursue compensation from credit bureaus and furnishers that violate your rights. Our Detroit credit reporting error lawyers are here to help you clear your name, protect your financial future, and hold powerful companies accountable.
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 gives consumers the right to ensure that the credit information reported about them is accurate, complete, and fair. The law applies to:
- Credit bureaus (Equifax, Experian, TransUnion)
- Banks, lenders, debt collectors, and companies that report to the credit bureaus
Under the FCRA, you have the right to:
- Obtain your credit reports for free
- Dispute any inaccurate information
- Have disputed items investigated and corrected within 30 days
- Receive notice if a credit report was used to deny you
- File a lawsuit and recover damages if your rights were violated
Our team of FCRA attorneys helps ensure that your credit reports don’t contain false or outdated information that damages your financial health.
Common Credit Reporting Errors in Detroit
In Detroit and the surrounding metro area, consumers often face credit reporting problems that lead to housing denials, job losses, or high-interest loans. These common FCRA violations can happen to anyone:
1. Mixed Files
Your credit report contains data from another person with a similar name or SSN. You may see unfamiliar accounts or incorrect addresses.
2. Identity Theft
Fraudulent accounts opened in your name remain on your credit report even after submitting police reports and FTC affidavits.
3. Re-Aged or Duplicate Accounts
Debt collectors may re-age old accounts or report them multiple times, making it appear as though you owe more than you do.
4. Incorrect Account Status
Paid, closed, or settled accounts are still listed as open, delinquent, or in collections.
5. Outdated Negative Items
Collections, charge-offs, or late payments that are more than seven years old still appear on your credit reports.
6. Failure to Investigate Disputes
If you submitted a valid dispute but the credit bureau failed to properly investigate and correct the issue, this may violate the FCRA.
How Credit Errors Harm Detroit Consumers
In the Detroit area, inaccurate credit reporting can have devastating financial and personal consequences:
- Denied home loans in Ferndale or Royal Oak
- Rejected car financing in Southfield or Warren
- Missed rental opportunities in Midtown or Corktown
- Job denials in finance, healthcare, or public safety
- Emotional stress and reputational harm
These errors are not just inconvenient — they’re illegal. You have rights, and we can help you enforce them.
What Can You Recover in an FCRA Lawsuit?
If your FCRA rights were violated, you may be entitled to:
- Statutory damages of up to $1,000 per violation
- Actual damages for denied loans, job loss, or emotional distress
- Punitive damages if the company acted willfully
- Attorney’s fees and costs — you pay nothing unless we win
FCRA Attorneys takes cases on a contingency basis, meaning you never pay out of pocket. We only get paid if we recover compensation for you.
Why Choose FCRA Attorneys?
We are a national law firm focused exclusively on credit reporting violations under the FCRA. Our lawyers are experienced in filing lawsuits in federal court and winning against large credit bureaus and financial institutions.
Here’s why clients in Detroit trust us:
- ✅ Free consultations
- ✅ No fees unless we win
- ✅ Deep understanding of FCRA law
- ✅ Federal litigation experience
- ✅ Personalized attention
What To Do If You Spot a Credit Report Error
- Request Your Reports: Visit AnnualCreditReport.com to access your reports from Equifax, Experian, and TransUnion.
- Review Closely: Look for unfamiliar accounts, wrong balances, old collections, or incorrect status.
- File a Written Dispute: Send dispute letters to both the credit bureaus and the furnishers.
- Document Everything: Keep copies of reports, disputes, confirmations, and correspondence.
- Call FCRA Attorneys: We’ll review your case and determine if legal action is appropriate.
Areas We Serve in Southeast Michigan
We proudly help clients across:
- Detroit (Downtown, Midtown, East Side, West Side)
- Dearborn & Dearborn Heights
- Southfield, Livonia, & Westland
- Warren, Sterling Heights, & Troy
- Pontiac & Bloomfield Hills
- Ann Arbor & Ypsilanti
Whether you live in the heart of Detroit or a nearby suburb, we offer remote consultations and fast, responsive service.
Contact a Detroit Credit Reporting Error Lawyer Today
Don’t let false credit information ruin your financial future. If your credit report contains mistakes and the credit bureaus refuse to fix them, you may be entitled to significant compensation.
Let FCRA Attorneys correct your report, restore your credit, and pursue the justice you deserve.
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.