I have disputed items on my credit reports, but the credit reporting agencies will not remove them, can I take legal action against them?

Yes. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days.  Under the Fair Crediting Reporting Act (“FCRA”), credit reporting agencies must investigate your dispute and unless verified by the reporting creditors (called “furnishers” under the FCRA), they must remove the items from your file.  The furnishers must investigate when contacted by the credit reporting agencies.  If either the agencies or the furnishers fail to do as required by the FCRA, you can sue them.

Kellam T. Parks
Managing Member of Parks Zeigler, PLLC