Credit Report Errors Ruining Your Life? Our FCRA Lawyers Fix Them
Denied a loan, an apartment, or a job because of mistakes you never made? Our credit report lawyers represent people harmed by inaccurate credit reporting and identity theft. We enforce your rights under the Fair Credit Reporting Act nationwide, with our home base in New York.
Credit Report Errors Ruining Your Life? Our FCRA Lawyers Fix Them
Denied loans, housing, or peace of mind because of errors you didn’t create? We represent consumers harmed by inaccurate credit reporting and identity-related mistakes, enforcing your rights under the Fair Credit Reporting Act across the U.S., with a strong New York focus.
— The Problem —
When Your Credit Report Is Wrong, Everything Else Breaks
Credit reporting errors affect millions of Americans. Equifax, Experian, and TransUnion process millions of records a day through automated systems, and those systems get things wrong far more often than they should.
When you dispute an error yourself, the bureaus usually run it through another automated check and call that an "investigation." The false information stays on your report, and you stay stuck with the damage.
Mortgage Denied
You apply for a home loan and get rejected over accounts you never opened.
Apartment Rejected
A landlord turns you down because of an eviction record that isn't yours.
Score Drops 80 Points
A collection you don't recognize appears and your score falls overnight.
Job Offer Rescinded
A background check turns up errors that cost you a job you already earned.
Higher Interest Rates
Inaccurate data forces you to pay thousands more in interest over the life of a loan.
Federal law protects you. Under the Fair Credit Reporting Act (FCRA), credit bureaus and creditors must report accurate information — and when they fail, they can be held legally responsible.
— Why Professional Help Matters
DIY Disputes Get Ignored. Legal Action Gets Real Results.
Your credit report is the foundation of your financial life, and one mistake can cost you thousands. When a bureau runs an automated check and calls it an investigation, an experienced FCRA attorney knows how to push back — and how to take the case to federal court when they don't comply.
01
We Challenge Automated Rejections
Credit bureaus lean on automation. We submit evidence-backed legal disputes they can't brush aside, forcing real investigations with legal accountability behind them.
02
Federal Law Is On Your Side
The Fair Credit Reporting Act gives you enforceable rights. We know how to use them, from formal disputes to federal lawsuits when bureaus refuse to comply.
03
Identity Theft Recovery
Once you file an identity theft report, federal law requires bureaus to block fraudulent information within days. We move fast to trigger those protections and restore your credit standing.
04
Creditors Must Comply
Creditors and debt collectors who furnish information have legal duties too. We push them to correct false or unverifiable information within the deadlines the law sets — not whenever it suits them.
05
You Pay Nothing Upfront
We handle most FCRA cases on contingency. In successful cases, federal law allows attorney fees to be recovered from the credit bureau or creditor — so strong cases often cost you nothing out of pocket.
Our Experience You Can Trust
Focused legal experience in credit report correction
When your credit report contains false or damaging information, it can impact nearly every part of your financial life — from getting approved for a home loan to qualifying for a new job or credit card. Disputing errors on your own often leads to automated rejections and repeated frustration, because credit bureaus rarely investigate thoroughly without legal pressure.
That’s where we come in. Our firm has years of focused experience in credit report error correction and consumer protection law. We know how to challenge inaccurate, outdated, or mixed-file data using the full power of the Fair Credit Reporting Act (FCRA) and related state laws.
Our attorneys don’t just send form letters — they build strategic, evidence-based cases to hold credit bureaus and creditors accountable when they fail to report accurately.
— What We Do
Practice Areas
Credit Report Error Disputes
We challenge inaccurate, outdated, and unverifiable information on your credit report — wrong accounts, duplicate entries, mixed files. Our evidence-based disputes go beyond form letters, and we escalate under federal law when bureaus fail to investigate.
Identity Theft Recovery
Fraudulent accounts and unauthorized inquiries, removed with urgency. We act fast to block false data under the FCRA's identity theft protections and restore your financial identity.
Tenant Screening Errors
Incorrect eviction records and screening report errors can wrongly block you from housing. We correct your rental history so it reflects reality.
Inaccurate Public Records
False bankruptcies, liens, and civil judgments can be cleared from your name with the right legal challenge and supporting documentation.
Nationwide Legal Help
The Fair Credit Reporting Act is a federal law, which means it protects you in every state. From New York to California, Texas to Florida, our credit report lawyers handle FCRA cases across the country, working with local counsel where court rules require it. Wherever you are, we'll fight for your rights and your financial future.
— Success Stories —
Real Results. Real Impact. Real Change
Our reputation is built on outcomes — careful casework, relentless follow-up, and a focus on restoring what matters most: your financial standing.
Mortgage Approval Restored in 45 Days
A couple was denied a home loan over mixed-file reporting. After legal escalation, their credit data was corrected and the approval went through.
Legal Victory for FCRA Violations
When bureaus ignored the evidence and refused to correct inaccuracies, we pursued federal action — resulting in a settlement and full correction of the record.
Hundreds Represented Nationwide
From identity theft victims to families denied fair lending, we've helped clients across the U.S. reclaim their credit and their confidence.
Identity Theft Protection
We've helped dozens of victims clear fraudulent accounts so their reports show only accurate, legitimate information.
$25,000+ False Debt Removed in 30 Days
A client was wrongly listed with high-value collection accounts. We intervened and the errors were deleted within a month, restoring his creditworthiness.
— Know Your Rights
Understanding the Fair Credit Reporting Act
The FCRA gives you real, enforceable protections. An experienced FCRA attorney makes sure those rights are enforced — not just acknowledged — with legal accountability at every step.
Federal Law Protection
15 U.S.C. § 1681 et seq.
Statutory Damages
$100 to $1,000 for willful violations
30-Day Investigation Rule
Bureaus generally must investigate within 30 days
No Fees Unless We Win
Contingency representation
15 U.S.C. § 1681j
Free Credit Reports
You're entitled by law to a free credit report every year from each major bureau — Equifax, Experian, and TransUnion. The bureaus currently go further and offer free weekly reports at AnnualCreditReport.com. Review yours for errors that may be quietly damaging your finances.
15 U.S.C. § 1681i
Right to Dispute Errors
You can formally dispute inaccurate information and demand a real investigation. Bureaus generally must respond within 30 days under federal law — or face legal consequences, including damages.
15 U.S.C. § 1681b
Right to Privacy
No one can pull your credit file without a permissible purpose. Unauthorized access is an FCRA violation that can lead to statutory damages and attorney fees.
15 U.S.C. § 1681n–o
Right to Sue for Damages
When reporting errors cause you harm, you may recover your actual damages. For willful violations, the law adds statutory damages of $100 to $1,000, possible punitive damages, and attorney fees paid by the violator.
An experienced FCRA attorney makes sure your rights are enforced — not just written down.
Our Credit Report Dispute Process
Step 1 — Free Case Review
We go through your credit report with you and identify potential FCRA violations.
Step 2 — Evidence Collection
Our legal team analyzes your reports, denial letters, and supporting documents.
Step 3 — Legal Dispute Strategy
We submit detailed, evidence-backed disputes to the credit bureaus and creditors.
Step 4 — Escalation When Necessary
If the errors aren't corrected, we pursue legal action under federal law.
Step 5 — Credit Restoration
The goal: a fully corrected credit report and the financial opportunities that come with it.
Subhan Tariq, Esq.
Federal Consumer Rights Attorney
Subhan Tariq is a highly respected federal consumer rights attorney based in New York City, serving clients nationwide. With over a decade of experience, he leads cases under key federal laws including the FCRA, FDCPA, EFTA, and TCPA, protecting consumers from unfair credit reporting, debt collection, and financial misconduct.
As part of Credit Report Lawyers, Subhan brings his expertise, leadership, and courtroom experience from cases against major corporations and financial institutions.
Learn More About Subhan
Education
University of Massachusetts School of Law (J.D., Dean’s Fellow)
University of Massachusetts Amherst (B.A., cum laude)
Recognitions
Super Lawyers 2023 Rising Stars
Speaker at NACA & NCLC National Conferences
Licensed In
New York & New Jersey Federal Courts
Notable Experience
Carrasco v. Bank of America
Bah v. Apple Inc.
Khan v. Equifax
Client Success Stories
Jose helped me go through my credit report and immediately spotted signs of identity theft. He explained everything clearly and walked me through the next steps. The whole process was quick and smooth.
Excellent law firm. They fought hard for me when an identity theft account was reporting on my credit report. Best law firm in New York.
My mother had her identity stolen and debt collectors kept coming after her. Tariq Law researched the fraudulent activity, stopped wage garnishment, and got her money back.
I contacted them after receiving a summons related to a credit complaint. They explained my options and helped me file a motion to dismiss. The case was dismissed.
had a great experience with Tariq Law. They solved my issues quickly and efficiently. Carlos was very responsive and genuinely caring
These guys are extremely professional and knowledgeable. They truly care about helping people. I even came back a second time.
— STILL NOT SURE? —
Frequently Asked Questions
What does a credit report lawyer do?
A credit report lawyer reviews your credit reports for errors, identifies violations of the Fair Credit Reporting Act, sends legally backed disputes to the credit bureaus and creditors, and files suit in federal court when they refuse to fix false information. Unlike credit repair companies, an FCRA attorney can actually take the bureaus to court.
How can an attorney fix my credit report?
An attorney builds an evidence-based dispute the bureaus can't dismiss with an automated check. The FCRA generally requires them to investigate within 30 days. If they verify false information anyway, your attorney can sue for damages — and that legal exposure is what gets errors corrected.
When should I hire a Fair Credit Reporting Act attorney?
Hire an FCRA attorney when you've disputed an error and the bureau "verified" it anyway, when you're a victim of identity theft, when your file is mixed with someone else's, or when a credit report error has already cost you a loan, an apartment, or a job. At that point you may have a legal claim, not just a dispute.
What are common FCRA violations?
The most common: failing to investigate a dispute properly, reporting information that belongs to someone else (mixed files), reinserting deleted errors without notice, continuing to report accounts you've shown are fraudulent, and pulling your credit without a permissible purpose.
Can FCRA attorneys remove negative items?
We can force removal of information that's inaccurate, incomplete, or unverifiable — that's what the law covers. Accurate negative information generally can't be removed, and anyone who promises otherwise is selling credit repair, not legal representation.
How long does it take to fix a credit report?
The dispute investigation window is generally 30 days. Many cases resolve within 30 to 90 days once legal pressure is applied. Cases that go to litigation take longer, but identity theft blocks can happen within days of a proper identity theft report. Every case is different, and no outcome can be guaranteed.
Take the First Step Toward a Clean Credit Report
Don't let credit reporting errors hold you back. Contact Credit Report Lawyers today for a free case review — it costs nothing to find out whether you have a claim.
Don’t let an inaccurate credit report cost you another opportunity
Defending your rights against inaccurate credit reporting and identity errors under the Fair Credit Reporting Act.
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