Your rights · New York
Credit, banks & credit reports
Federal law gives you rights to dispute credit report errors, unauthorized electronic transfers and credit-card billing errors — with deadlines that matter.
Credit report errors, unauthorized charges, billing disputes, fraud and identity theft, bank fees.
Your rights
What you're entitled to, who qualifies, how much and by when — each right with the section of law behind it.
What to do now
Steps in order, for when it happened today.
How to do it
Step-by-step processes: forms, deadlines, fees and where to go.
- How toHow to dispute a credit card charge: the Fair Credit Billing Act step by stepFederal law lets you dispute a billing error on your credit card — a charge you didn't make, the wrong amount, goods or services you didn't accept or…
- How toHow to dispute an error on your credit report: the free process and deadlinesUnder the federal Fair Credit Reporting Act, you can dispute any inaccurate or incomplete item on your credit report directly with the credit bureau,…
The official sources on this topic
Every page here rests on statutes, regulations and government sites. These are the ones that come up most on this topic:
- Submit a complaint — Consumer Financial Protection Bureau(opens in a new tab)
- Truth in Lending Act — liability for unauthorized credit card use, 15 U.S.C. § 1643(opens in a new tab)
- Regulation E — liability for unauthorized transfers, 12 C.F.R. § 1005.6(opens in a new tab)
- Regulation E — procedures for resolving errors, 12 C.F.R. § 1005.11(opens in a new tab)
- Fair Credit Reporting Act — willful noncompliance, 15 U.S.C. § 1681n(opens in a new tab)
- Fair Credit Billing Act — correction of billing errors, 15 U.S.C. § 1666(opens in a new tab)
When you need an answer about your own situation
These pages explain the general rules. A first answer about your own situation is free; the full check confirms every legal point against the statute it cites, and a letter is written only on top of it.