The FRCA offers several protections to consumers. It also identifies several violations that credit bureaus must avoid, including: Applying late fees to debts paid on time. Distributing credit history information despite evidence of identity theft. Failing to investigate disputed debt within 30 days. Failing to correct inaccurate credit history information, Failing to provide a free credit report when obliged to do so. Failing to provide the results of the investigation. Reporting a previously settled debt. Reporting information older than seven years. Submitting information to a credit reporting agency that is incorrect. Normally, you would expect a credit reporting company to take corrective action right away if confronted with a credit dispute proving an FCRA violation. Failure to do so opens the door to lawsuits you can pursue with the help of a credit attorney. Our review of credit report dispute attorneys reveals several reputable law firms that can help you seek redress for a credit bureau’s non-compliance with the law. Several of these firms also provide the less-involved services offered by the credit repair organizations BadCredit.org regularly reports on.