Checkr is a consumer reporting agency that provides automated background checks to major employers including Uber, Lyft, DoorDash, Instacart, and Amazon. Under the Fair Credit Reporting Act (FCRA), Checkr must follow reasonable procedures to assure maximum possible accuracy of the information in its reports. 15 U.S.C. § 1681e(b). When Checkr reports someone else’s criminal record … Read more
The correct mailing address for Experian credit report disputes is Experian, P.O. Box 4500, Allen, TX 75013. Send your dispute letter by certified mail with return receipt requested. Experian must begin its investigation within 30 days of receiving your dispute under 15 U.S.C. § 1681i(a)(1). Experian Dispute Mailing Address Experian P.O. Box 4500 Allen, TX … Read more
If you received a notice in the mail about the Kromrey et al. v. Capital One Class Action Settlement, stop. That letter confirms something terrifying: Capital One admitted they may have falsely reported you as “Deceased” to the credit bureaus. They have agreed to pay a $2.4 million settlement to resolve these claims. While that … Read more
Synchrony Bank keeps saying your fraudulent account is “Verified.” Here is the evidence proving why their system fails—and the specific legal steps that actually work. You did everything right. You filed the police report. You submitted disputes to all three credit bureaus with documentation that would make a paralegal weep with joy. You called Synchrony’s … Read more
Comenity Bank Opened a Fake Account in Your Name? Here is How to Delete It. You didn’t just go on a shopping spree at Victoria’s Secret, Wayfair, or GameStop. You didn’t apply for a credit card at the checkout counter. But Comenity Bank (now operating as Bread Financial) says you did—and now they have slapped … Read more
You just discovered a credit card account you never opened. Maybe you were denied credit and found out why. Maybe a collection agency called about a debt you’ve never heard of. Maybe your credit score dropped for no reason you can explain. Take a breath. You’re not alone, and this is fixable. You have rights … Read more
If you’re a credit union member, you probably joined because you thought it was safer and more local than a big bank. That trust is exactly what scammers are trying to use against you right now. A long-time credit union member gets a text that looks like it’s from her cell phone carrier: “You have … Read more
