Christopher S. Mulvaney,

Attorney and Counselor-at-Law

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THIS WEBSITE INCLUDES GENERAL INFORMATION & THE OPINIONS OF CHRISTOPHER S. MULVANEY. IT IS INTENDED TO STIMULATE A BASIS FOR QUESTIONS RELATED TO YOUR PARTICULAR FACTUAL CIRCUMSTANCES — BEFORE YOU ACT.  THIS WEBSITE DOES NOT CONSTITUTE LEGAL ADVICE. IF YOU WANT LEGAL ADVICE, PLEASE MAKE A ZOOM APPOINTMENT TO SPEAK WITH ME.

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The use of email or this form for communication with MULVANEY LAW OFFICE, PLLC does not establish an Attorney-Client Relationship. If you don’t think I have responded, please check your spam folder. Time-sensitive information should not be sent through this Form or through email. Sensitive information can be uploaded to an encrypted Dropbox folder in your client file. Google Review Link Yelp Review Link

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Gonzaga University School of Law – Spokane, Washington – Class of 2002 – Cum Laude The Latin phrase “Deo patriae, scientiis, artibus” translates to “For God and country through sciences and arts”.  The initials A.M.D.G. on the seal of Gonzaga Law School stand for Ad Majorem Dei Gloriam, which is Latin for “For the Greater Glory of God” the Motto of the Society of Jesus (Jesuits): a Catholic religious order founded by St. Ignatius of Loyola.

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“Come now, and let us reason together . . .”
– The Song of Solomon – Isaiah

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Consumer Financial

Protection Bureau

has an explanation of how to dispute inaccurate entries on your credit report. The key is inaccurate. Upload documentation showing the inaccuracy. Disputing the fairness of reporting when you didn’t receive notice of the bill is not the purpose of these disputes. Disputing fairness is done directly with the creditor. Make sure to give all medical providers at least two mailing addresses and email addresses and ask that they use all of them. If unsatisfied, that is where online complaints come in. You can state what happened, what you attempted to do about it, and how the company responded or didn’t respond.

You can contact the nationwide credit reporting companies online, by mail, or by phone:

Equifax

Online: www.equifax.com/personal/credit-report-services/credit-dispute/ 

By mail: Download the dispute form 
Mail the dispute form with your letter to:

Equifax Information Services LLC
P.O. Box 740241
Atlanta, GA 30374

By phone: Call the phone number shown on your credit report or call (866) 349-5191

Experian

Online: www.experian.com/disputes/main.html 

By mail: Use the address provided on your credit report or mail your letter to:

Experian
P.O. Box 4500
Allen, TX 75013

By phone: Call the phone number shown on your credit report or call (888) 397-3742

TransUnion

Online: dispute.transunion.com 

By mail: Download the dispute form 
Mail the dispute form with your letter to:

TransUnion Consumer Solutions
P.O. Box 2000
Chester, PA 19016-2000

By phone: (800) 916-8800, Monday – Friday 8 a.m. 11 p.m. ET, Saturday and Sunday 8 a.m. – 5 p.m. ET.

Keep copies of your dispute letter and the documents you send with it.

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Disputing a credit card charge involves a specific process to protect your rights as a consumer. Here’s a general guide on how to do it: 

1. Review the Charge:

• Check your statement: Thoroughly examine your credit card statement for any charges you don’t recognize or believe are incorrect.
• Identify the merchant: Note the merchant’s name and the date and amount of the disputed transaction. 

2. Contact the Merchant (if applicable):

• Attempt to resolve directly: If the dispute is about issues with the goods or services (e.g., incorrect item received, damaged goods), first try to resolve the issue with the merchant directly.
• Document your efforts: Keep records of your communication with the merchant, including the date you contacted them, who you spoke with, and the outcome of your discussion. 

3. Contact Your Credit Card Issuer:

• Prompt action: Contact your credit card issuer as soon as possible after identifying the disputed charge.
• Methods of contact: You can usually contact your issuer by phone, through their online account portal, or by sending a written letter.
• Provide details: Be prepared to provide your name, account number, the date and amount of the disputed charge, the merchant’s name, and a clear explanation of why you are disputing the charge. 

4. Submit a Formal Dispute (Written Notice):

• Formal notice: To ensure your legal protections under the Fair Credit Billing Act (FCBA), send a written dispute letter to your credit card company.
• Time limit: This letter must be sent within 60 days of the date the statement with the disputed charge was sent to you.
• Where to send: Send the letter to the address specified for billing inquiries or errors, not the regular payment address.
• Include necessary information:
  • Your name and account number.
  • The amount and date of the disputed charge, the merchant’s name, and a description of the charge.
  • The date of the first bill that shows the charge.
  • A detailed explanation of why you are disputing the charge (e.g., unauthorized charge, goods not received).
  • Copies of any relevant evidence (e.g., receipts, communication with the merchant, photos).
• Certified mail recommended: Consider sending the letter by certified mail with return receipt requested to have proof of delivery. 

5. Investigation and Resolution:

• Issuer’s investigation: Your credit card company will investigate the dispute, which may involve contacting the merchant and requesting additional information.
• Provisional credit: You may receive a provisional credit for the disputed amount while the investigation is ongoing.
• Resolution: The issuer will inform you of their findings and whether the dispute is resolved in your favor. If so, they will remove the charge and any related fees or interest. 

Important Reminders:

Appeal if necessary: If your dispute is denied, you may be able to appeal the decision or file a complaint with the Consumer Financial Protection Bureau (CFPB).

Pay undisputed amounts: Continue to pay the undisputed portions of your credit card bill while the dispute is being investigated.

Keep records: Maintain detailed records of all communication, documentation, and dates throughout the process.

Follow up: Follow up with your card issuer to ensure they received your dispute and to inquire about the status of the investigation.

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Washington State residents can meet with me in Zoom/DocuSign from anywhere in the world, and I can notarize their electronic signatures because I am a remote online notary.  Just email me an image of your photo ID.