Wrongful Credit Reporting Attorney Serving Maryland Consumers

At the Holland Law Firm, consumer protection is the firm’s exclusive focus. We have decades of experience representing consumers who are facing unfair treatment by banks, lenders, debt collectors, credit bureaus, and financial institutions, including for wrongful credit reporting issues.

A mistake on your credit report can cost you a mortgage, a car loan, an apartment, or a job. When a credit bureau, lender, or debt collector reports false information about you and refuses to fix it, that’s not just an error. It may be a violation of federal law.

For over 20 years we’ve helped victims of wrongful credit reporting, wrongful debt collection, wrongful repossessions, and other scams. When a company is reporting inaccurate information and refusing to correct it, you have rights. We sue them to hold them accountable.

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Common Wrongful Credit Reporting Issues

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Accounts That Don’t Belong to You

Debts that were never yours, files mixed with another consumer’s information, and accounts connected to identity theft can all damage your credit and lead to collection activity for debts you never incurred.

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Bankruptcy and Outdated Debts

Creditors are required to accurately reflect when debts are discharged in bankruptcy or too old to report. Improperly re-aged debt or accounts that should have been removed keep haunting consumers long after they should have disappeared.

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Inaccurate Balances and Payment Histories

Incorrect payment histories, duplicate accounts, and wrong balances make consumers appear more financially irresponsible than they are. Even small inaccuracies lower credit scores and create obstacles for loans, housing, and employment.

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Failed Dispute Investigations

When a consumer disputes an error, credit bureaus must investigate within 30 days. Many investigations are rushed, automated, or inadequate. Accounts get “verified” without meaningful review, and the error stays. Consumers have the right to fight back.

Your Legal Protections

The Fair Credit Reporting Act (FCRA)

The FCRA requires credit bureaus and furnishers to maintain accurate information and conduct reasonable investigations after receiving a dispute. If information can’t be verified, it must be corrected or removed. Consumers may recover damages, attorney’s fees, and other relief when companies violate the law.

The Fair Debt Collection Practices Act (FDCPA)

Debt collectors are also prohibited from reporting inaccurate information and must follow strict rules about how they communicate with consumers. Violations of the FDCPA may entitle consumers to damages and attorney’s fees.

Maryland Consumer Protection Laws

The Maryland Consumer Debt Collection Act prohibits collectors from attempting to enforce rights they know do not exist. In some circumstances, Maryland protections apply not only to third-party collectors, but also to original creditors.

Our Process

01

Initial Contact

Fill out our contact form, providing basic information about your case and including your contact details.

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02

Review

We review the information you submitted to determine if we can assist with your legal issue.

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03

Request for Additional Information

If we believe we can help, we’ll request more details and offer a paid consultation. If we cannot help, we’ll email you with links to relevant legal resources.

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04

Paid Consultation

If you proceed, a 45-minute consultation will be scheduled to discuss the facts and assess your legal options. We will email you a consultation agreement.

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05

Decision Making

After the consultation, we’ll collaborate to decide whether hiring us is the right course of action.

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06

If We Can’t Assist After the Consultation

If we determine we can’t assist, we’ll provide you with information about other legal resources.

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Why Hire One of Our Attorneys?

Wrongful credit reporting cases require understanding complex financial records, reporting systems, and dispute procedures. Credit bureaus and furnishers have sophisticated legal teams. Consumers benefit from attorneys who understand:

  • The Fair Credit Reporting Act (FCRA)
  • The Fair Debt Collection Practices Act (FDCPA)
  • Maryland consumer protection laws
  • Credit bureau dispute procedures
  • Identity theft and mixed file claims
  • Litigation against lenders, collectors, and credit bureaus

Dealing with issues like wrongful credit reporting is our bread and butter. Don’t let false or inaccurate reports take down your credit and wreck your life. Let’s talk.

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What our clients say. We’re proud to stand with consumers who are being treated unfairly, and we appreciate our clients sharing the experiences they’ve had working with us.