Credit Report Errors?
We Have Solutions
At Wells Law – Chicago, we have been fighting for consumers for over 20 years. If you’re struggling with credit report errors, an unauthorized credit pull, or even being mixed up with someone else’s file, you are not alone—and you do not have to accept it. Our legal team aggressively pursues credit bureaus, furnishers, and background check companies to consumer credit report errors and secure the maximum compensation the law allows.​​
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Credit Report Errors Can Cost You Opportunities
Your credit report is more than just numbers—it’s the foundation of your financial future. Inaccurate or outdated information can affect your ability to:
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Get approved for a mortgage or car loan
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Secure a credit card or personal loan
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Rent an apartment or refinance debt
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Access other financial services
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Under the Fair Credit Reporting Act (FCRA), you have the right to review your report, dispute credit report errors, and demand timely corrections. When the credit bureaus fail to fix credit report errors, our firm steps in to hold them accountable.
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Employment Background Check Errors
Today’s employers rely heavily on background checks when hiring or promoting. Just like credit report errors, an error in your employment background check can unfairly cost you a job. If you were denied employment because of a background report, you have the legal right to obtain a copy of that report. When background check companies cut corners or fail to follow the law, or report inaccuracies, they can and should be held responsible.​
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What is the FCRA?
The Fair Credit Reporting Act (FCRA) is a federal consumer protection law that safeguards your rights when it comes to credit reports, background checks, and other consumer reports. While “credit” is in the name, the FCRA extends beyond credit files—it also protects other types of consumer reports that employers, insurers, and landlords rely on to make important decisions about you. The law is designed to ensure the accuracy, fairness, and privacy of information collected by credit bureaus and reporting agencies. Under the FCRA, you have the right to dispute errors, remove outdated or inaccurate information, know who has accessed your report, and receive notice if a credit, employment, housing, or insurance decision is made against you based on a consumer report. These protections help prevent credit reporting errors, identity theft, and misuse of your personal information.​
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Why Choose Wells Law – Chicago?
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Proven Experience: 20+ years representing consumers in FCRA case (credit report errors and background check cases.)
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Aggressive Advocacy: We fight to fix credit report errors and seek maximum recovery for clients.
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Compassionate Approach: We understand the stress and frustration caused by reporting mistakes.
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No Fees Unless We Win: Most cases are handled on a contingency basis.
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Take Action Today
Don’t let credit report errors or background check damage your financial future or career. Contact Wells Law – Chicago now. We’ll evaluate your situation. Let us fight to make sure your record is accurate and your rights are protected.
More Helpful
Consumer Reporting Information
Reviewing the information and documents in your credit and consumer reports can be complex. Our firm provides clarity, step-by-step guidance, and resources on how to handle credit report errors, background check mistakes, and identity theft issues. We help safeguard your reputation and financial standing — and take action when your consumer rights are violated.
When someone steals your personal information, the damage can be devastating. We help victims of identity theft clear their records and restore their financial reputation.
If you find errors on your credit report, you have the right to dispute them. A strong dispute letter is the first step to correcting mistakes and protecting your credit. Learn what to include and how to make it effective.
Background check errors can affect your ability to get and keep a job — but you have rights under federal law. You’re entitled to see your report, challenge mistakes, and demand corrections. We enforce your rights to protect your future.
If you’re denied credit, employment, housing, or insurance, you have legal rights. You’re entitled to an explanation, a free copy of the report used, and the chance to correct credit report errors. Knowing your rights is the first step to fighting back.
Your credit report can be confusing — but every detail matters. Learn how to spot credit report errors, understand the key sections, and understand what lenders see when they review your report.
Not every problem calls for a lawyer right away — but Wells Law – Chicago can step in at any stage. From reviewing your credit report, to guiding dispute letters, to fighting when your rights are violated, we provide the support you need to protect your credit, your reputation, and your future.
Questions about Your Legal Rights?
Important Credit Reporting Rights
Because your credit report drastically impacts your financial opportunities, it’s important to be aware of the following rights:
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You must be told if information in your credit file has been used against you. It is the creditor, insurer, or employer’s responsibility to provide you with this information. This entitles you to a free copy of the credit or background report that was used to make the adverse decision.
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You have the right to dispute incomplete or inaccurate information on your credit report.
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You have the right to get a free copy of your credit report once each year, as well as any time that you are denied credit, insurance, or employment. You also have the right to learn your credit score (for a fee).
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Credit bureaus may not report outdated negative information about you.
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Credit bureaus may provide information about you only to people with a valid and lawful need.
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Credit bureaus must correct or delete inaccurate, incomplete, or unverifiable information.
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You may seek money damages from parties who violate your legal rights.