Many consumers believe a creditor must “prove the debt” before reporting it on a credit report. But under the Fair Credit Reporting Act (FCRA), the key legal issue is not whether the creditor has provided documentation—it is whether the information being reported is inaccurate. Understanding this distinction can help consumers determine when a legitimate credit reporting claim may exist.

If you have questions about your credit report, notice errors, or want to understand whether an issue may give rise to a legal claim, we’re happy to help. You are welcome to contact us for a free case review. Be informed. Be empowered. Be protected.

Wells Law - Chicago has helped countless identity theft victims restore their financial standing, recover maximum damages, and get on track. But we don't pursue the identity thief -- here's why.