Technical Failures We Litigate

• The Mixed File (“The John Smith Problem”)This occurs when a bureau combines your credit history with someone else’s (often a relative or someone with a similar name). This isn’t just a typo; it’s a fundamental failure of the bureau’s matching algorithms.
• Identity Theft RecoveryIf you’ve filed a police report and the bureau refuses to block fraudulent accounts, they are in direct violation of the FCRA. We don’t just ask for removals; we enforce the statutory block.
• Furnisher MisreportingWhen a bank or credit card company reports a paid account as delinquent, or a zombie debt buyer reports a debt that was settled years ago.

The 2026 New York Advantage

As of April 18, 2026, New York has implemented some of the strongest consumer credit protections in the country:

• The Statewide Employment Credit BanMost New York employers are now prohibited from requesting or using your credit history to make hiring or promotion decisions. If a job offer was rescinded after a credit check, you may have a significant legal claim.
• The Medical Debt BanIn New York, hospitals and healthcare providers are legally barred from reporting medical debt to credit bureaus. If a medical bill is dragging down your score, it is likely on your report illegally.