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Frequently Asked Questions

Below are some initial questions many clients have when they first contact The Consumer Law Group, P.C.. The questions below can address many initial concerns you may have. If you don't find the answers here, you may contact us for answers to more complex questions or questions specific to your case. The initial telephone consultation is free.

Q: What can I do if the information on my credit report is inaccurate or incomplete?

A: Notify the Consumer Reporting Agency. Be as specific as possible. They are required to reinvestigate the items in question. You should also contact directly the creditor or other person who gave the incorrect information to make sure their records are in order. If the new investigation reveals an error, a corrected version should be sent, on your request, to anyone who received your report in the past six months. (Job applicants can have corrected reports sent to anyone who received a copy during the past two years.) If you dispute the accuracy of the information in your file and the Consumer Reporting Agency deletes it, the agency cannot put the disputed information back into your file without notifying you in writing. If you contact a consumer reporting agency to dispute the accuracy or completeness of information in your file, the reporting agency may forward your dispute to the creditor or other person who furnished the information to the agency. But you also should still contact that source of information directly. Many creditors have a special address for this purpose, and have a duty to avoid reporting inaccurate information. Also, if you tell anyone that you dispute the accuracy of information, then that person must note that the information is disputed whenever it is provided to a consumer reporting agency.