Credit Reporting Errors

If you live in Minnesota or Western Wisconsin and discovered a mistake on your credit report, you’re far from alone. In fact, studies show that nearly 80% of credit reports contain significant errors. We see it every day. Our firm has helped people across the region correct credit reporting mistakes—whether the error came from a local credit union like Affinity Plus, Blaze, WESTconsin, or Royal Credit Union, or from a national lender or credit card company. We understand how these errors happen, and we know how to fix them.

We built this resource page to make the process easier for you. You shouldn’t have to figure it all out on your own. Whether you’ve just learned there’s a mistake on your report, are in the middle of trying to fix it yourself, or are ready to take legal action, this page is designed to guide you every step of the way.

Click below for the stage of the process that best fits your situation:

🙋 Stage 1—I Just Found a Mistake on My Report.

You’ve just discovered an error, like a debt that isn’t yours, a payment marked late that you made on time, or personal information that’s wrong, and want to learn more. Start with these posts:

✅ credit denial due to a mistake on your credit report?

Learn how to get your report and take the necessary steps to fix the error.

✅ how to get your free credit report and understand it

Learn the safest and easiest way to request and read your report from Experian, Equifax, and TransUnion.

✅ common credit reporting mistakes and how to spot them

See the types of mistakes that appear most often and what causes them.

✅ how credit reporting errors cost you money, housing, and job opportunities

How credit report errors can have a major impact on your life.

🛠 Stage 2—I Want to Fix the Error Myself.

You’re ready to dispute a credit report mistake yourself, but you want to send a strong, well-documented dispute that gives you the best chance for success. Start with these posts:

✅ disputing credit report errors: what works and what doesn’t

Step-by-step instructions for writing and mailing a dispute letter that gets taken seriously.

✅ 5 Mistakes to avoid when disputing a credit report error

Avoid the common traps that can weaken your dispute or give up your rights.

😠 Stage 3—They Ignored My Dispute. Now what?

You’ve disputed an error and it wasn’t fixed or the credit bureau said your claim was “verified” without explaining how. Start with these posts to learn more about your next steps:

✅ How long do credit bureaus have to correct an error on my report

Learn how long investigations can take and what the law requires.

✅ What to do when credit bureaus won’t fix mistakes

Five steps to take when the credit bureaus won’t fix mistakes after you’ve disputed them.

⚖️ Stage 4—I’m Tired of Fighting Alone, I Need Help

You’ve done everything you can and the mistake still isn’t fixed. You’re wondering now if it might be time to take legal action. Start with these posts to learn more about the Fair Credit Reporting Act:

✅ Your Rights Under the FCRA: How to Sue When a Credit Bureau Breaks the Rules

Learn your rights under the Fair Credit Reporting Act (FCRA) and how to sue when they fail to act.

✅ How Much Money Can You Get from a Successful FCRA Lawsuit?

Explore what kinds of damages you can recover—including statutory, actual, punitive, and legal fees—in a successful credit reporting lawsuit.

🧭 Special Stage—Identity Theft Victims

If you're a victim of identity theft and looking to get your credit report back on track, check out these posts and resources:

✅ How to Recover from Identity Theft and Repair Your Credit Report

Learn how to report fraud, dispute bogus accounts, stop debt collectors, and rebuild your credit.

🧭 Special Stage—Mixed File Victims

If there are a bunch of accounts on your report that don’t belong to you, your credit file might be mixed up with another person. Learn more here:

✅ What Is a “Mixed File” on My Credit Report and What Can I Do About It?

Learn more about how credit files get mixed, why it’s bad, and how you can fix it if it happens to you.

Serving Minnesota & Western Wisconsin

Tired of fighting a credit report error on your own? Book a free consult with FCRA attorney Todd Murray today.

Since 2009, Todd has helped people across Minnesota and Western Wisconsin fix credit report errors and reclaim their financial stability. He’s recovered hundreds of thousands of dollars for clients and corrected all kinds of credit reporting mistakes. Originally from Wisconsin, and now based in the Twin Cities, Todd brings a close understanding of the region and the challenges local residents face. Clients describe him as professional, approachable, and easy to work with.

Examples of Clients We’ve Helped:

WISCONSIN CREDIT REPORT ERROR
Our client, an Ashland, Wisconsin man, filed Chapter 7 bankruptcy. A few months later, he noticed that a credit card account that was included in his bankruptcy was on his credit report as due and owing. He disputed the account by himself, but they wouldn’t fix it.

MINNESOTA IDENTITY THEFT VICTIM
Our client, a Minneapolis woman, was a victim of identity theft. About 12 accounts had been fraudulently opened in her name. She had been trying for months to get the accounts removed from her credit report, but the credit bureaus refused to help.