Follow these steps to report a credit bureau for FCRA violations and credit report errors.
1️. File a Complaint Directly With the Credit Bureau
Contact the Bureau Reporting the Error:
✔ Experian: Submit a dispute | Phone: 1-888-EXPERIAN
✔ Equifax: Submit a dispute | Phone: 1-866-349-5191
✔ TransUnion: Submit a dispute | Phone: 1-800-916-8800
Pro Tip: Send disputes via certified mail with return receipt for proof!
2️. Escalate Your Complaint to the CFPB
If the credit bureau fails to correct the issue, you can file a formal complaint with the Consumer Financial Protection Bureau (CFPB).
✔ File your complaint online: Submit a Complaint to the CFPB
✔ Call the CFPB complaint hotline: 1-855-411-2372
⏳ Timeline: The credit bureau must respond within 15 days to CFPB complaints.
3️. File a Complaint With the Federal Trade Commission (FTC)
If a credit bureau repeatedly violates FCRA laws, you can file a formal complaint with the Federal Trade Commission (FTC).
✔ File your complaint online: Report to the FTC
✔ Call the FTC: 1-877-FTC-HELP
The FTC investigates violations and takes enforcement action!
4️. Report the Credit Bureau to Your State Attorney General
✔ Find your state attorney general’s office: National Association of Attorneys General
✔ File a complaint through your state’s consumer protection division.
Why This Matters: Some states have additional consumer protections beyond the FCRA.
5️⃣ Sue the Credit Bureau for FCRA Violations
If Experian, Equifax, or TransUnion fails to correct errors, you can sue them for damages under the Fair Credit Reporting Act (FCRA).
✔ Statutory damages – Up to $1,000 per violation
✔ Punitive damages – If the violation was willful
✔ Attorney’s fees – You may not have to pay upfront legal fees
Need help suing a credit bureau? Call Credit1Solutions at 877-782-7839!
Where to File Complaints Against Credit Bureaus
Top 10 FAQs About Filing Complaints Against Credit Bureaus
Can I file complaints against all three bureaus at once?
✅ Yes! If all three credit bureaus are reporting the same error, file disputes with each one individually and escalate complaints to the CFPB and FTC if needed.
What happens if a credit bureau ignores my dispute?
✅ Under the FCRA, the bureau must investigate disputes within 30 days—if they don’t, you can sue them for damages.
Can I get compensation for credit bureau violations?
✅ Yes! If a credit bureau violates your rights, you can sue for up to $1,000 per violation plus attorney’s fees.
Can I dispute a closed account that’s inaccurate?
✅ Yes! Even closed accounts must be accurate—you can still file a dispute and demand correction.
How do I know if my credit report has errors?
✅ Request your FREE credit report at AnnualCreditReport.com.
Need help? Call Credit1Solutions at 877-782-7839 today!