CREDIT REPORT ERRORS – PUBLIC RECORD ERRORS – PAID JUDGMENTS & LIENS
Consumers often contact The Adkins Firm because they have errors on their credit reports or background reports. One of the most common error on a credit report or background report is a public record error. Public records include judgments, tax liens and bankruptcies. Public records may also include criminal history, such as arrests and convictions.
If you have (or had) a judgment or tax lien against you, then the credit bureaus (Equifax, Experian and Trans Union) will report the judgment on your credit report. If the judgment or lien is unpaid, then it can be reported as such. However, if the judgment or lien is paid, then it should be reported as “paid/satisfied.”
When the credit reporting agencies do not update the status of public records, then false information may be reported to your creditors and potential creditors. An unpaid judgment or lien can prevent a consumer from being approved for a home loan or other credit. An unpaid judgment or lien may even prevent a consumer from being hired by an employer.
The Fair Credit Reporting Act (FCRA) is a federal law that requires credit reporting agencies (Equifax, Experian and Trans Union) to have and follow reasonable procedures to assure the maximum possible accuracy of a credit report (or background report) sold to a third-party. If a credit reporting agency violates the FCRA, then the consumer may be entitled to actual damages, including credit or employment denials. The consumer may also be entitled to statutory damages, punitive damages, attorney fees and costs.
Do you have a judgment or tax lien against you? Did you pay it? If you paid it or the lien was withdrawn, do you know how he public record being reported by the credit bureaus? If the judgment or lien is being reported inaccurately by the credit bureaus have you disputed it?
Do you have criminal history that is being reported incorrectly? Does an arrest appear as a conviction when you were not convicted of a crime? Have you disputed the false information to a background reporting agency? Have you been denied or lost employment because of errors on a background report?
The Adkins Firms represents consumers against the credit bureaus and background reporting agencies for violations of the FCRA. We represent consumers who have inaccurate public records on their credit reports or background reports, or both
If you have a judgment or lien that is paid, but the credit bureaus are not reporting it as paid, then you may have a claim under the FCRA and be entitled to money damages. Likewise, if you have false criminal history reported by background reporting agencies, you may be entitled to money damages under the FCRA.
For a free case review, contact an experienced FCRA lawyer Micah Adkins 24/7 at 1-800-263-9091. Remember, it’s your credit report!