When Credit Bureaus Break the Law: Here’s How to Make Them Pay

When credit bureaus refuse to fix errors on your clients' reports, the next step isn't another letter. It's a lawsuit. Ian MacGillivray from McCarthy Law joins Daniel Rosen and Keenan Jones to break down the credit report errors that lead to legal action. Join Our FREE Start Repairing Credit Challenge: Most credit heroes send dispute letters and wait. But when bureaus fail to correct legitimate errors, the law allows consumers to sue. McCarthy Law has assisted over 150,000 clients with FCRA litigation at no cost to the consumer. Clients can recover between $1,000 and $2,500 in damages. Ian walks through 10 specific violations his firm takes to court. These range from balances reporting on paid accounts to debts showing up after bankruptcy discharge. He also shares the dispute letter language his firm recommends and what separates a litigation-ready case from one that needs more documentation. Credit repair businesses can earn $400 for every referred client whose case gets filed. Ian covers how the affiliate portal works, what to submit, and how to make the handoff smooth for your clients. Tune in! P.S. Join the event to grow your credit repair business: Key Takeaways: 00:00 Intro 01:44 The Secret Most CROs Never Figure Out 03:26 The Law Firm That Fights for the Little Guy 04:28 Earn $400 Every Time You Refer a Client 07:26 5 Credit Report Errors That Can Become Lawsuits 10:44 How to Hand Off a Client and Get Paid 24:56 The Mistake That Kills Your Client's Case 28:12 How to Find Violations Hidden in Plain Sight 33:56 The Legal Loophole That Makes This All Possible 44:14 From Referral to Payday: The 120-Day Timeline 48:26 Final Thoughts Additional Resources: Work with McCarthy Law Get a free trial to Credit Repair Cloud Get my free credit repair training Make sure to

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When Credit Bureaus Break the Law: Here’s How to Make Them Pay is an episode from Credit Repair Business Secrets by Credit Repair Cloud.

This episode is 00:50:36 long.

This episode was published on Apr 21, 2026.

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