Do you have credit report errors? 

The Adkins Firm represents identity theft victims and consumers with credit report errors or background report errors.  Credit report errors may be the result of identity theft or a consumer reporting agency’s failure to assure the maximum possible accuracy of its credit files.  Consumers have the right to dispute credit report and background report errors under the Fair Credit Reporting Act (FCRA).  All credit report errors should be disputed to the credit reporting agencies.


  1. Notify the credit reporting agency in writing of the information you believe is incorrect.
  2. Include copies of supporting documents, such as proof of payment or an ID Theft Affidavit.
  3. Include your contact information, name, address, and Social Security number.
  4. Mail your dispute by certified mail and request a return receipt.
  5. Keep your letter simple and clear.   Explain what information is inaccurate and why. Ask the credit reporting agency to delete the inaccurate information from your credit file.
  6. Keep a copy of the dispute letter for future reference, especially if you have to hire a FCRA lawyer.

Click Credit Report Dispute Letter to download a free sample credit report dispute letter to Equifax, Experian and Trans Union.

Here are the most common credit report complaints we hear from the people we represent:

Types of ID Theft Credit Report Errors

  • Hard credit inquiries appear on my credit report that do not belong to me.
  • Someone opened credit accounts in my name without my permission.
  • Debt collectors are calling or sending me letters for accounts that I did not open.

Types of Mixed or Merged Credit & Background Report Errors

  • My father’s or son’s accounts, judgments or bankruptcy appears on my credit report because we have the same or similar name.
  • My  sibling’s accounts, judgments or bankruptcy appears on my credit report because we have a similar name.
  • A stranger’s accounts, judgments, bankruptcy or other personal identifying information is on my credit report.
  • Criminal history appears on my background report that does not belong to me.
Types of Furnisher Credit Report Errors
  • Accounts that are not past due are on my reported as past due.
  • My account is reported as past due and with a balance owed, but the account was included in bankruptcy.
  • I did a short sale on my home, but my mortgage company is reporting the account as a foreclosure.
Types of Obsolete Credit Report or Background Report Errors
  • I was late on an account more than 7 1/2 years ago, but the credit bureau is still reporting the account as past due.
  • I was arrested more than 7 years ago, but the arrest still appears on my background report.
  • I paid my tax lien more than 7 years ago, but it still appears on my credit report.
Types of Public Record Credit Report Errors
  • I paid a judgment, but the credit agencies are reported the judgment as owing.
  • My judgment or eviction was vacated or dismissed, but the judgment or eviction still appears on my credit report or tenant history report.
  • My background report says that I was convicted of a felony, but I was convicted of a misdemeanor.
Types of Impermissible Credit Pull or Inquiry
  • An old creditor pulled my credit report after my account was included in and discharged in bankruptcy.
  • A car dealer pulled my credit report without my permission.
  • A credit card card company pulled my credit report for an account that I am only an authorized user.

We represent consumers who have credit report errors and background report errors. Contact us to schedule a free case review or click HERE to schedule an appointment for a free case review.