My suggestion is that your daughter obtain from www.freecreditreport.com an up-to-date Credit Report from all three credit reporting services, Experian, Equifax, and Trans Union. Yes, they are provided free once annually. Take those reports to an attorney who normally represents consumers, relate the story and ask whether anything can be done to correct the situation you describe. Do not discuss further facts on AVVO as it is not protected by the attorney-client privilege. If you do not already have an attorney, you can find one on AVVO using the Find Lawyer feature.
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Mr. Geisenberger is a Pennsylvania-licensed attorney only. The information is not, nor is it intended to be, legal advice. You should consult an attorney for individual advice regarding your own situation. Answering this question does not in any way constitute legal representation. Contacting Jacques H. Geisenberger, Jr., P.C.,does not constitute legal representation, nor is any information you provide protected by attorney-client privilege.
Attorney Geisenberger's advice to obtain a consumer attorney is spot on. I am a member of the National Association of Consumer Advocates (NACA) which is a nationwide group of consumer attorneys. I would suggest that you visit their site at www.naca.net to find a consumer attorney in your area. Off the top of my head, I can suggest Joe Mullaney, Dan Deliberty, Robert Cocco, Michael Forbes or Larry Rubin. All are in your area and I am sure all would be willing to offer a case review.
My colleagues are correct. And you should definitely consult an experienced NACA attorney.
It is estimated that one in four consumers has an error on his/her credit report. The law is on your daughter's side. Federal law requires that the credit reporting agency ensure maximum possible accuracy when publishing your information. There are also mandates upon the furnishers of that information, but very specific steps must be followed.
Here is some information about steps your daughter can take to address the inaccurate information on her credit report. http://www.ohioconsumerhelp.com/sub/credit-report-errors.jsp
As my colleague suggests, obtain a free copy of your credit reports from these credit bureaus at www.annualcreditreport.com. I do not suggest other sites as doing so may compromise your daughter's ability to recover damages by waiving rights vis-a-vis the "fine" print.
Many consumer advocates will review your legal matter without charge or obligation. This is the best first step in protecting your legal rights, and understanding the protections available to you under state and federal law.
All the best to you and your daughter.
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