This is not really a hobby question and maybe it is since I buy my modeling items with a credit card. I need an attorney to tell me what type of attorney I need to bring a lawsuit against a major credit card company. Briefly the issue is as follows: A major credit card company falsified a credit rating with the three major credit reporting bureaus and when I challenged the credit card company they had no record of the dispute. I did not find out about the issue until my home refinancing was denied due to this fraudulent credit report.

Thanks in advance for the help.

To file a lawsuit you just need a civil attorney, but have you tried disputing the false information on your file? If you file a dispute of the bad debt, the credit reporting agency will request supporting documentation from the credit card company. If they can't provide it, the negative information will be removed. It's likely an honest mistake you're dealing with here, in which case no judge is going to give you a big punitive damages award. You might also look into the possibility that your identity has been stolen and that the bad debt is actually real but was charged by someone else using your social.

I had a major credit cancelling my account of many years due to a bad credit report that they received, after they run a routine check up.

The previous information is all I received from the credit agency upon contacting them.

I requested a copy of my credit from the three credit score agencies, just to find that only one had a bad record of mine.

That report showed more than four big debts that I had with financial institutions from Texas, with which I had never dealt.

I just informed the credit score agency with the incorrect report and they promised to investigate.

About three weeks later, I was notified that those debts had been removed from my file, since the investigation proved that they were wrongly allocated to my file.

I later verified that my score with that agency was as good as with the other two.

Regarding the major credit card, I did not bother to renew my account with them, because I did not like the way they handled my situation, just kicking me out without previous consultation or discussion.

Almost every week I receive mail with credit card offers that are even better that the one I had.

I just heard this on Clark Howard today. Go to his website and look for the info , but I think He said you will have to threaten lawsuit to the 3 credit reporting agencies. They do an "investigation" , but that is just re-verifying with the creditor that reported it in the first place.

We have received multiple complaints about this thread being off topic. Since you have gotten a few answers, I am going to close it.