Is this a Fair Credit Reporting Act violation?

Asked about 2 years ago - Thousand Oaks, CA

TransUnion says they investigated a tradeline for me. However on the Date Verified, it shows from 2011 and hasn't changed. However they claimed to have investigated it 6 times in the last 6 months. Is this a violation? if the Date Verified never changes?

Attorney answers (3)

  1. Amy Lavonne Wells

    Contributor Level 14


    Lawyers agree

    Answered . There are several excellent advocates in your state. I would suggest you gather your dispute letters to Trans Union, along with each of their responses and consult with one of them. Go to for a list of seasoned professionals in your area. Most advocates will provide an initial consultation without cost or obligation.

    In short, if Trans Union has continued to report false and derogatory information after a valid dispute by you, you may be entitled to damages under the FCRA. Good luck to you!

    NOTE: This Answer does not constitute legal advice. Every case is fact specific. To render a legal opinion, an... more
  2. Robert Edward Tardif Jr.

    Contributor Level 13


    Lawyers agree

    Answered . Sounds odd. Generally credit reports should reflect accurate information. Whether this rises to the level of a violation would be based upon reviewing your specific situation. The previous author gave you a great link and I would urge you to look into that.

    By responding to your question I do not intend to create, nor does it create an ongoing duty to respond to... more
  3. Peter Walter Weston


    Contributor Level 17


    Lawyers agree

    Answered . If the report was verified at a date, and if that date is accurate, and there is no incorrect information reported, the report appears accurate, although possibly incomplete, in my opinion.

    Reporting and complaints about reporting under the fair credit reporting laws, are geared more to removing inaccurate or untimely information, rather than loading up all available details and information.

    You can attempt to add additional information, by objecting to the report as stated, and adding your own written explanation or statement, generally limited to 100 words or so.

    General legal advice is offered for educational purposes only. A consultation with a qualified attorney is... more

Related Topics

Credit repair

Credit repair means to take actions that improve your credit history after it is negatively affected by an event such as bankruptcy.

Credit score

A credit score is a number calculated using a system to predict the likelihood that a person will pay his or her debts. This affects how much you can borrow.

Can't find what you're looking for? Ask a Lawyer

Get free answers from experienced attorneys.


Ask now

23,268 answers this week

2,875 attorneys answering

Ask a Lawyer

Get answers from top-rated lawyers.

  • It's FREE
  • It's easy
  • It's anonymous

23,268 answers this week

2,875 attorneys answering