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Abel L. Pierre, Attorney at Law

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Recent News & Updates

NYC Debt Collection Defense Blog

Post-Pandemic Identity Theft

In today’s post-pandemic world, identity theft is becoming a rampant problem. It can happen in various ways, even between people who know each other. Roommates who forget to secure their personal information, parents using their children’s identity for their own benefit, and even grown children taking advantage of their elderly parents are just some examples. The worst part? The fraudulent activities are usually reflected in your credit report.

Discovering identity theft can be a nightmare, especially when it happens while applying for a loan, renting an apartment or getting a mortgage. If you suspect identity theft, taking immediate action is crucial. Filing a police report and contacting the credit reporting agencies are the first steps. When notifying the credit reporting agencies, make sure to write a detailed letter listing all accounts that belong to you and the ones that don’t. Also, specify whether the balances on the accounts that belong to you are accurate. To ensure delivery and proof of receipt, send the letter via certified mail or a trusted courier service with a tracking number.

But don’t worry, Abel Pierre and his team are here to help! With 20 years of experience in representing identity theft victims nationwide, Abel Pierre offers affordable solutions for people in need. If you suspect any fraudulent activities or mistakes on your credit report, don’t hesitate to contact us at 888-744-0757 or send us a message by clicking here. We’ll fight hard to get your credit report corrected and protect your family from the devastating consequences of identity theft.

I Never Opened a Citibank Account, Was My Identity Stolen?

It might not always seem like it, but your credit report is one of the most important assets you have. The information in your credit report shows what your relationships with your creditors are like, which influence your credit score. It’s for this reason that you should ensure your credit report always reflects the most accurate information about your debt and your creditors.

So, what if you pull a soft inquiry on your credit report and notice accounts, debt, or other information that you don’t recognize or is incorrect? If you’re like most people, you’d probably feel alarmed and fear that you’ve become a victim of identity theft – but have you?

Not always. Sometimes a credit report error not due to fraud is to blame.

What Is a Credit Report Error?

A credit report error is exactly what it sounds like: an error on your credit report. As it turns out, these mistakes are very common and affect about one in three Americans.

Some common credit report errors include the following:

  • Incorrect information about you (name, phone number, address, etc.)
  • Mixed files (your information is mixed with someone else’s)
  • Closed accounts are reported as open
  • Accounts incorrectly reported as delinquent or late
  • Incorrect or missing payment information
  • A debt is listed more than once
  • Incorrect account balances or credit limits

Sometimes credit report errors are due to identity theft and fraud, but they are most often the results of data input and management errors. These mistakes can occur at various levels and originate from your bank, another financial institution, the credit reporting agency, or even you.

Are Credit Report Errors Serious?

They can be. Because an error on your credit report can adversely affect your credit score, you shouldn’t leave it unaddressed. Credit report errors that go unnoticed or are allowed to persist can drastically lower anyone’s credit score, damaging their reputation, limiting their ability to secure credit, and even costing them money.

Are Credit Report Errors Easy to Fix?

Some are, some aren’t. You may be able to quickly resolve relatively simple errors, such as a misspelled name, incorrect address, or a wrong account number. In these cases, the mistake can be corrected within a few days. More complicated problems, such as disputes concerning account balances or accounts in your name that you never opened, can take several days or a few weeks to resolve.

How Do I Fix an Error on My Credit Report?

You can fix an error on your credit report by filing a dispute with the credit reporting agency that provided the report. The Fair Credit Reporting Act (FCRA) makes both you and any credit reporting agency responsible for correcting any inaccurate information.

As you prepare your error dispute, include copies of all documentation that show the error and prove why it’s incorrect. Once you file an error dispute, the credit reporting agency must investigate your claim within 30 days. You should expect notification of the results of this investigation and receive a free copy of your amended credit report if any changes were made.

Do I Have to File Multiple Disputes for the Same Error with Other Agencies?

No, you shouldn’t have to dispute an individual error more than once. If one credit reporting agency agrees to fix an error you reported to it, the other two reporting agencies should receive this updated information.

Who Can Help Me Fix My Credit Report?

If your credit report is showing incorrect information, you can reach out to The Law Offices of Abel L. Pierre, Attorney at Law, P.C. for help filing a credit report error dispute. You should secure our legal representation as soon as possible because any errors on your credit report may be damaging your credit score.

If you’d like to learn more about how we can help, contact us online to schedule a consultation.

3 Common Credit Reporting Mistakes

Did you know that roughly 1 in 4 consumers has an error on their credit report? This is why it is important to remember to occasionally check the information contained in your credit report. Your credit report can affect your financial well-being, making it all that more important to ensure its accuracy will give you the best possible interest rates and credit options.

There are a few credit reporting errors that are more commonly made than others. In this blog, we talk about 3 common credit reporting mistakes.

Incorrect Account Information

The first most common mistake people find on their credit report is incorrect information about their accounts. Sometimes, creditors will provide inaccurate information to the credit reporting agencies. This usually happens when the creditor sends wrong information or the credit reporting agency incorrectly enters the information they have been given.

Make sure you review each of your accounts to see that they have been accurately reported. Examples of inaccurate account information include:


An “open” notation on a closed account

Inaccurate credit limits

Late payments

Unpaid balances

Inaccurate Personal Information

The second most common error seen on credit reports is inaccurate personal identifying information. With the millions of consumers that each of the three major credit reporting agencies are responsible for reporting about, personal information for people with similar names can sometimes end up merging together.

Sometimes the inaccurate information can be a wrong street address, while other times the information can be far more detrimental to your report. For example, an inaccurate social security number or annual income can have major consequences on your financial standing. Check your report and make sure the information belongs to you and is correct. While a wrong address might not seem like a big deal, it can potentially lead to another person’s account being added to your credit report.

Fraudulent Accounts

The third most commonly reported error found in people’s credit reports is fraudulent accounts. A fraudulent account is a serious credit reporting mistake that can substantially affect your credit rating. Fraud, or identity theft, occurs when someone uses your personal information to open accounts in your name.

If you find fraudulent accounts on your credit report, you will need to alert the police and consult with the credit reporting agency. Submitting a fraud alert on your report will prevent future accounts from being opened without you first being contacted by the creditor.

How Do I Fix a Credit Reporting Error?

If you come across an error when you are checking your credit report, you need to contact the credit reporting agency to dispute the account. Under the Fair Credit Reporting Act (FCRA), you have the right to dispute and request an investigation for any inaccurate information you find on your credit report.

After receiving your notice of inaccurate information, the credit reporting agency must contact the furnisher of the information, conduct an investigation, and respond to you within 30 days.

Let Us Help You Resolve Your Credit Reporting Error Today

If you are having trouble disputing a credit reporting error, our attorney can help you uphold your rights. In fact, we can help you resolve your credit reporting error free of charge.

At The Law Offices of Abel L. Pierre, we offer a wide range of debt collection defense services that we can use to remove potentially harmful mistakes from your credit report. Let us assist you today.

Call (888) 744-0757 to schedule a consultation with our legal team today.