Obligations of Credit Bureaus with respect to inaccurate/incorrect information

For just about anything you want to get off your chest about credit cards.
2 posts
Green Member
Green Member
Posts: 4
Joined: Tue Feb 11, 2014 11:30 am
Location: NJ

Obligations of Credit Bureaus with respect to inaccurate/incorrect information

Postby ColonelSandurz » Wed Aug 27, 2014 12:33 am

I'm just wondering what obligation (legally speaking) the credit bureaus have in removing incorrect/inaccurate information - specifically when the information is incorrect or inaccurate, and yet after disputing this with the credit bureaus they still keep it on the credit reports (either because they stated they received confirmation from the creditor it was accurate or for some other reason).

And is there any recourse aside from a lawsuit? Or is a lawsuit against the credit bureaus even allowed when they won't remove incorrect/inaccurate information, or do you have to sue (or otherwise contest) the creditor themselves that is reporting this inaccurate/incorrect information?


Centurion Member
Centurion Member
Posts: 4913
Joined: Sun May 20, 2012 4:35 pm
Location: WI

Postby MemberSince99 » Wed Aug 27, 2014 6:35 am

I went through the same thing. I had some creditor who kept illegally re-aging a charged off account. They managed to keep it alive for 20 years before I finally had enough of it and resolved to get it off my reports one way or another. Ironically they were not reporting it as a collections account so it actually helped my AAoA but I simply did not like the fact that they apparently intended to re-age it forever.

I had tried contacting the bureaus but of course, they always responded with the lame boilerplate excuse that the creditor had confirmed it was 'valid' (and obviously a creditor's word is the very word of God to the bureaus) so it stayed. I contacted the FTC but that got me exactly nothing which is what I expected. So I then contacted the CFPB who investigated, and somehow, all of a sudden the creditor found that in fact it shouldn't be there and it disappeared. Amazing how quickly the truth comes out when the lying scumbags fear they'll be discovered.

So I would suggest filing a complaint with the CFPB. You can do it online. I had great results and got rid of that illegally re-aged account that way.

Return to “General Credit Card Talk”

Who is online

Users browsing this forum: No registered users and 0 guests