Who Reported It?
The bureau isn't the only one on the hook. The bank, lender, or collector that sent the bad data — the "furnisher" — has its own legal duty to investigate, and its own liability when it fails.
Debt Collectors
Third-party collectors are furnishers — and reporting false or disputed debt can violate both the FCRA and the FDCPA.
Banks & Card Issuers
The original creditor that reported a wrong balance, status, or late payment owes you a real investigation.
Auto Lenders
Repossession marks, post-payoff balances, and wrong late payments from auto lenders are common FCRA disputes.
Mortgage Servicers
Servicing transfers and forbearance mishandling routinely produce false delinquencies on credit reports.
Student Loan Servicers
Deferment, forbearance, and forgiveness errors from student loan servicers show up as late marks you never earned.
Medical Debt
Medical collections carry special reporting rules. Paid, insured, or disputed medical debt is frequently misreported.
Landlords & Screeners
Reported rental debt and eviction records are often inaccurate, re-aged, or simply belong to someone else.
Utility & Phone
Final-bill disputes with utility and cell-phone carriers turn into collection tradelines that may not be valid.
Resurgent / LVNV
A high-volume debt buyer and furnisher. Reporting on resold, paid, or disputed accounts is a recurring problem.
Portfolio Recovery
One of the largest debt buyers in the country, and a frequent subject of FCRA and FDCPA reporting disputes.
Midland Credit
A major debt buyer (Encore Capital). Re-aged dates and balances on purchased debt are common inaccuracies.
Buy Now, Pay Later
As BNPL lenders begin reporting to the bureaus, inconsistent and inaccurate furnishing is a growing FCRA issue.
Is Your Credit Report Wrong?
Tell us what's on your report. We'll review it at no cost — and in successful cases, the defendant pays the legal fees, not you.
Free review. No obligation. No out-of-pocket cost in cases we take.