Welcome to our mini-website for Oregon consumer law. The attorneys of Baxter & Baxter, LLP, are dedicated advocates for consumers. Baxter & Baxter, LLP, is a Pacific Northwest consumer protection law firm with offices in Oregon and Washington. To visit our firm’s main website, visit www.baxterlaw.com.

The Oregon consumer protection lawyers of the Consumer Litigation Group represent individuals in cases with false credit reports, identity theft cases, unlawful debt collection cases, and consumer fraud cases. The Portland Oregon bankruptcy attorneys, Hillsboro, Oregon bankruptcy attorneys, Oregon City bankruptcy attorneys, and Vancouver Washington bankruptcy lawyers of the Bankruptcy Practice Group represent individuals in Chapter 7 and Chapter 13 bankruptcy. Our mission of committed and zealous consumer advocacy is unrivaled, and our track record of excellence and professionalism is recognized nationwide.

This site includes an aggregation of news stories about business, finance, and politics that bears upon our consumer protection and bankruptcy practice. We hope you will find the stories interesting and useful. For more information about our firm, please visit our main website at www.baxterlaw.com.

“We are a debt relief agency. We help people file for relief under the Bankruptcy Code.”

How to Dispute False Credit Reports
Posted Tue, 01/17/2006 – 01:00 by jbaxter

Under the Fair Credit Reporting Act, consumers have the right to dispute false information in their credit reports. Under ordinary circumstances, credit reporting agencies and creditors are required to conduct an investigation in response to such a dispute.

It is not necessary to pay anyone to write a dispute letter — you can do it yourself for free. Below is a short description of the process for disputing false information on your credit report.

1. Get a copy of your credit report. Under the Fair and Accurate Credit Transactions Act (FACTA), you are entitled to a free copy of your credit report each year. If you have been denied credit, you are also entitled to a free copy of your credit report.

While it is possible to access your credit report online, some credit reporting companies require consumers to give up important rights in order to access their credit report through their website. Also, it can be confusing navigating the many links to purchase services that you do not necessarily need. A better way is to request it by mail.

Consumers can request their free annual credit report by writing to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281. The request form is available at the annualcreditreport.com website.

2. Send a written dispute letter to the credit reporting agencies. Write a polite, professional letter detailing exactly what is incorrect and why. Be specific. Enclose documentation, such as police reports, correspondence with your creditors, and any additional information documentation you have. Tell the credit reporting agency if you are being prevented from obtaining credit, such as a mortgage, credit card, or auto loan, or if you are being harmed in other ways.

Send your letter via certified mail, with a return receipt requested. Keep a copy of your signed, dated letter, along with copies of enclosures.