Accounts on your report that aren't yours?
Identity theft can wreck your credit through accounts you never opened. Under the FCRA, credit bureaus must reasonably investigate your disputes — and they can be held liable when they don't.
Problems we help with
- Accounts or loans you never applied for
- A disputed fraudulent account that keeps reappearing
- Bureaus ignoring your identity theft report
- Being denied credit because of someone else's fraud
Fair Credit Reporting Act · 15 U.S.C. § 1681 et seq.
The Fair Credit Reporting Act (FCRA) requires credit bureaus and the companies that report to them to keep your credit information accurate. When they don't — and it costs you a loan, a job, or an apartment — you have the right to hold them accountable.
What happens next
1. You tell us what happened
Answer a few questions or send a short message. It takes minutes and it's completely confidential.
2. We review it for free
An attorney reviews your situation and we contact you — usually within one business day — to talk it through.
3. We take on the company, not you
If you have a case, we handle it. In most consumer-protection cases, the company pays our fees when we win.