i
You filed a dispute and the bureau "verified" the error.
You waited the statutory 30 days. They came back saying the inaccurate account was verified — and it remains on your report, unchanged.
Edition · 2026
FCRA · FDCPA · California
Your credit report shouldn't cost you the future.
Inaccurate accounts. Denied credit. Post-bankruptcy reporting errors. Harassing debt collectors. Identity-theft fraud. Federal law gives you the right to take action — and we handle it from dispute letter to federal court, on contingency, with no fee unless we recover.
Start Free Case Review
Or call (415) 890-4065
Cost
$0 up front
Experience
12+ years
Jurisdiction
California
Response
24h typical
"We don't write disputes. We file lawsuits."
— The practice in one line
I — Cases we take
Does this sound familiar?
ii
You were denied a loan, job, or apartment.
A lender, employer, or landlord turned you down because of inaccurate information on your credit report.
iii
A discharged debt is still reporting as owed.
You went through bankruptcy, and old accounts still show balances due instead of "discharged."
iv
Someone else's information is on your report.
Identity-theft accounts, or a "mixed file" where another person's records were merged into yours.
v
A collection that isn't yours won't come off.
You've told them it isn't your debt. They keep reporting it. They keep selling it. It keeps reappearing.
vi
A debt collector won't stop calling.
Repeated calls. Threats. Contact after written cease. Calls to your employer or family. The FDCPA prohibits all of it.
II — What the law provides
What you can recover.
Federal consumer-protection statutes are unusually generous to the consumer: they make the defendants pay your fees if you win. That is why contingency works.
i
Actual damages
Money lost from denied credit, higher rates, lost opportunities, and emotional distress.
ii
Statutory damages
$100–$1,000 per willful FCRA violation. Up to $1,000 per FDCPA violation per consumer.
iii
Punitive damages
Available where conduct is willful — 15 U.S.C. §1681n and analogous state-law tracks.
iv
Fees paid by the other side
A prevailing consumer's attorney's fees are paid by the defendant — which is precisely why we take these on contingency.
III — How to reach us
Three ways to start.
i.
Walk through your case with HelpMeDispute.
Our AI intake assistant collects the facts, identifies which accounts are involved, and routes the strongest cases directly to the attorney. Free. About five minutes.
Open HelpMeDisputeii.
Talk to a real attorney — not an intake mill.
If your situation is urgent, call. The principal answers and reviews every inquiry. Voicemail outside business hours; calls returned within one business day.
(415) 890-4065iii.
Send a few details and we will respond.
Prefer to write rather than talk? Submit the short form below. An attorney will personally review your submission and respond, typically within one business day.
Go to the form
IV — Method
From first call to resolution.
i.
Reach out.
Form, phone, or AI intake. The principal personally reads every inquiry. No call center, no junior associate, no bot.
ii.
Free case review.
We assess the merits and the math. You get a straight answer, usually within one business day, on whether the facts fit the statute and whether the recovery justifies the work.
iii.
We take action.
Dispute and notice letters done properly, then a federal complaint when the bureaus or furnishers fail to fix what they ought to fix.
iv.
You pay nothing unless we recover.
Contingency terms. FCRA and FDCPA fee-shifting are precisely designed to make this possible — federal law makes the defendant pay your fees if you prevail.
V — About the practice
- Attorney
- Dr. Fred Ghodoosi
- Experience
- 12+ years
- Education
- Yale JSD/LLM · Berkeley LLM
- Jurisdiction
- California — state & federal
- Membership
- State Bar of California, in good standing
LawsuitUp is the dedicated FCRA & debt-collection arm of Advanced Lawyering — a focused docket, a single attorney who reads every inquiry, and AI-assisted workflows that move cases quickly without ever swapping out the human attorney for a bot.
The principal, Dr. Fred Ghodoosi, has spent over a decade litigating consumer cases against and alongside Am Law 100 firms. The practice takes meritorious FCRA, FDCPA, CCRAA, and Rosenthal Act matters on contingency. For broader legal needs — contract, employment, business, or general litigation — the sister practice handles a wider docket.
For other legal matters → AdvancedLawyering.com
VI — Frequently asked
Questions, answered.
How much does this cost?
Nothing up front. Case reviews are free. FCRA and FDCPA matters are handled on
contingency — no fee unless we recover. Federal statutes make a prevailing consumer's
attorney's fees the defendant's responsibility.
Is this "credit repair"?
No. Credit-repair companies send template disputes for a monthly fee. We are a law firm:
we sue credit bureaus, furnishers, and collectors in court when they break federal and
state law.
I disputed and they said it was "verified" — is it hopeless?
The opposite — a rubber-stamp "verification" is often what creates the legal claim. The
FCRA requires a reasonable reinvestigation. A pro-forma response is not one.
What about debt collectors who won't stop calling?
That is the territory of the federal FDCPA and California's Rosenthal Act. Together they
prohibit harassment, false representations, repeated calls, contact after written cease,
and many third-party disclosures.
How long do I have to bring a case?
FCRA claims generally have a two-year statute of limitations from discovery, up to five
years from the violation. FDCPA is one year from the violation. State analogues vary.
Don't wait — timing questions are exactly what the free review is for.
Do I have to go to court?
Many cases resolve before trial, but we prepare every case to be litigated. You will get
a straight assessment of the likely path during the review.
What is the relationship to advancedlawyering.com?
Same attorney, same firm — different focus. LawsuitUp handles credit-reporting and
debt-collection consumer cases. For other matters — contract, employment, business
disputes — visit
advancedlawyering.com.
VII — Free case review
Tell us what's on your report.
An attorney — not an intake mill — personally reviews every submission, typically within one business day, and will reach out if your matter fits the credit-reporting and debt-collection cases this practice handles.
Prefer to talk? Call
(415) 890-4065
Prefer AI? Use
HelpMeDispute
Inquiry
Start your case review.
Stop wondering.
Suit up.
Start Free Review
Or call (415) 890-4065