Anna Maria Andriotis

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3,396 appearances 52 recordings 1 series first heard Jul 2017 last heard Dec 2022

Anna Maria Andriotis’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · Credit-Report Errors Grab Congress’s Attention · 1 Jun 2022 podcast

And it said that the sector is committed to helping consumers resolve discrepancies on their credit reports and that it's working across the financial ecosystem to matched

make sure that data on consumer credit reports is accurate and comprehensive. matched

Now, separate from this probe by House Democrats, the Consumer Financial Protection Bureau is investigating how Equifax, Experian, and TransUnion handle consumer disputes. matched

So the CFPB says that the credit reporting firms are closing consumer complaints faster and offering less relief. matched

consumers. matched

So as far as the regulator is concerned, one of the reasons why this is an important issue is because if these complaints are being closed quickly, then there's questions around like how seriously are they being taken and how much relief are consumers able to get when there is a mistake on their credit reports. matched

Now, matched

I think something just worth pointing out here is that another thing that in general my sources within the credit reporting sector have shared with me over some time now is that one of the reasons why information that consumers file disputes about isn't removed from credit reports is because they say that oftentimes it involves a consumer disputing negative information that's actually legitimate. matched

So the first thing that they need to do really is to contact the credit reporting firm and to also contact the lender or the company associated with that erroneous account. matched

So Equifax, Experian, and TransUnion have dispute sites where people can just search for them online and... matched

input their information there about what it is on their credit report that they are disputing. matched

In addition, let's say, for example, it's your credit card account that shows the erroneous information in your credit report. matched

It shows that you didn't pay, for example, your credit card bill earlier this year, but you actually did. matched

You should also contact the lender, so in this case, the credit card lender. matched

associated with that account to say, hey, you know, I'm seeing that I've been reported as late, but I'm not late. matched

I paid and here's my evidence for that. matched

And so the other thing to keep in mind is because you're filing a dispute with one credit reporting firm doesn't necessarily mean that the issue isn't just going to be addressed by all three major credit reporting firms. matched

So there is a separate site for filing Equifax disputes, Experian disputes, and TransUnion disputes. matched

Sometimes consumers might find that they have an error on one of their credit reports, but not all of them. matched

So it's important to contact the credit reporting firm and the lender associated with the erroneous account. matched

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