Bankruptcy Law Questions? Ask a Bankruptcy Lawyer Now.
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Your best option here is to obtain a legal consult with a Fair Credit Reporting Act attorney. They usually take your case on a contingency fee basis and may even file a suit for damage to credit reputation. The FCRA lets you sue a credit reporting agency for noncompliance with the law. You can sue for actual damages, including court costs, attorney’s fees, lost wages, infliction of emotional distress, and even recover punitive damages.
You can also try the following:
1. File a complaint about the creditor or a credit reporting agency with the FTC using its online form. Go to www.ftccomplaintassistant.gov. It seems to me that the title company or the county should be involved in helping you fix this with the credit bureaus.
2. Write a letter to your representative or senator if the FTC fails to do anything.
3. Submit a brief statement explaining the inaccuracy in your credit report. The credit reporting agency has to include it.