Credit Reports
   

 

Credit Reporting Agencies

 

Maryland Commissioner of Financial Regulation

Attention Complaint Unit

500 North Calvert Street, Suite 402

Baltimore , Maryland 21202

(410) 230-6100

 

Comments: If you cannot resolve a dispute with a credit reporting agency, contact the State of Maryland Division of Financial Regulation. Attach copies of any supporting documents to assist in the complaint investigation. Make sure to list facts concisely and include all necessary information such as account number and daytime telephone number.

  Howard County Office of Consumer Affairs

   6751 Colonial Gateway Drive

  Columbia MD 21046

  Phone: (410) 313-6420

  Link to website

 

   Montgomery County Division of Consumer Affairs

   100 Maryland Avenue, Suite 330

  Rockville , MD 20850

  Attn: New Complaint Department

  Phone: (240) 777-3636

   Link to website

 

  Comments: Both Howard and Montgomery County have Consumer Affairs Divisions which accept and  try to resolve complaints from county residents or from any consumers who have complaints about businesses in their jurisdictions. They will provide information about local businesses.

 

 

To Obtain a Credit Report

 

Maryland residents are entitled to one free credit report per year from each of the major credit reporting bureaus. For your reports call:

         

  • Equifax: 1-800-685-1111

  • Experian: 1-888-397-3742

  • Trans Union : 1-800-888-4213.

 

 

You may also order reports online, but the agency will charge for this service and may not inform you that you are entitled to a free report.

 

 

  

Credit Report Inaccuracies

 

If you feel your credit report is inaccurate, you may be able to have inaccuracies removed under the Fair Credit Reporting Act. To have inaccurate information deleted from your report, follow these steps suggested by the Maryland Attorney General’s Office.

 

  • Write a letter to the credit reporting bureau clearly stating which items are inaccurate and why. Enclose appropriate documentation, and keep copies of all documents and correspondence.

  • The bureau is required by law to investigate within 30 days.

  • If the bureau cannot verify the information in question, it must remove the information from your report within 7 days. They must also send a written correction to you and anyone who has received an erroneous report.

  • The agency will notify you if they have investigated and believe their report is accurate. If you still disagree with the credit reporting agency, you may file a statement to amend your report. As a Maryland resident, you may also request a list of the parties contacted during the investigation.