What to do if I’ve never filed for bankruptcy but for some reason one appears on my credit report?

Asked on September 3, 2014 under Bankruptcy Law, Texas

Answers:

M.T.G., Member, New York Bar / FreeAdvice Contributing Attorney

Answered 6 years ago | Contributor

Then you need to contact the agencies about the misinformation. Under the FCRA (Fair Credit Reporting Act), both the credit reporting company and the information provider (that is, the person, company, or organization that provides information about you to a credit reporting company) are responsible for correcting inaccurate or incomplete information in your report. The first step is to send a letter (do not do this over the phone) advising that the information is incorrect and you are disputing it.  The reporting agencies then have an obligation to investigate and advise you within 30 days.  Read up on the act and your rights online.  Good luck.


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