A Credit Report Error Is Blocking My Mortgage Approval. Here’s What to Do Right Now.
A wrong item on your credit report can stall or kill your mortgage approval. Here’s how to dispute it fast and what a rapid rescore really does.
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My Credit Dispute Was Rejected and They Won’t Say Why. Here’s What to Do Right Now.
A rejected credit dispute means one of two very different things under federal law, and only one requires an explanation. Here is what to do next.
They Said a Free Credit Report Every Week Is a Legal Right. It’s a Bonus the Bureaus Could Take Back.
Federal law guarantees one free credit report per bureau every 12 months — the weekly free access you rely on is voluntary, not a statute.
Student Loan Balance Doubled on Credit Report? DOE Faces Class Actions
Two federal class action lawsuits claim the U.S. Department of Education is reporting inaccurate student loan data to credit bureaus — including balances that appear doubled and delinquency flags affecting 5 million borrowers who did nothing wrong.
Why Your TransUnion or Experian Dispute Isn’t Working — And What to Do
A ProPublica investigation found Experian’s consumer relief rate collapsed from ~20% to under 1% in 2025. TransUnion dropped ~50%. Here’s why — and what to do when your dispute goes nowhere.
Prosper Data Breach: 17.6 Million Customers Had SSNs, Bank Accounts, Passports Exposed
Prosper’s 2025 data breach exposed 17.6 million customers’ Social Security numbers, bank account numbers, and passport numbers. Here’s what to do and your legal options.
CFPB Is Making It Harder to Complain About Financial Companies
The Consumer Financial Protection Bureau is adding new barriers to its complaint portal — including disclaimers, proposed two-factor authentication, and complaint limits — after lobbying from the credit bureau industry. Consumer advocates say the changes will hurt the people who need the system most.
Is Your Free Credit Report Actually Complete? Two New Lawsuits Say No
Two federal lawsuits allege that Experian and Equifax provide incomplete ‘summary’ credit reports through AnnualCreditReport.com instead of the complete file disclosures required by the Fair Credit Reporting Act. Here’s what they say is missing and what you can do.
CFPB May Block Your Credit Report Complaints
The CFPB has started a process that could make it harder for consumers to file complaints against credit reporting companies. The move responds to industry requests to require additional personal information, limit complaints per phone number, and restrict IP addresses — changes that would hit vulnerable consumers hardest.
Credit Report Dispute Complaints: Loan Denial Lawsuit
Quick Answer: Jacquelyne Nicole Jones filed a Fair Credit Reporting Act lawsuit against Fifth Third Bank, Trans Union, and Experian for falsely reporting delinquent loan payments from July-August 2022 despite timely payments. The credit bureaus continued publishing the incorrect information even after repeated disputes with evidence, damaging her credit profile. Case Information Filing Date: March …
