DataX Credit Report Errors

The Kim Law Firm represents consumers harmed by inaccurate reporting from DataX. DataX is a specialty consumer reporting agency: lenders pull its reports to decide whether to approve you for subprime, payday, installment, and other short-term loans. When DataX reports something about you that is wrong or is not yours, you can be denied credit or pushed into worse terms — and the Fair Credit Reporting Act gives you the right to force a correction and recover money for the harm it causes. This page explains who DataX is, how to get your report and dispute it, and how we can help.

Who is DataX?

DataX Ltd. is a specialty consumer reporting agency and an Equifax company, based in Las Vegas, Nevada, that focuses on the subprime and alternative-lending market. Payday, installment, and other short-term lenders pull a DataX report to decide whether to lend to you, so an error in DataX's data can get you denied or pushed into worse terms.

Why a DataX error matters

Because DataX sells reports to lenders in the subprime and short-term-lending market, an error on your file can quietly cost you. A wrong entry can get you denied for a loan, approved only at a higher rate, or flagged as a bad risk based on data that is inaccurate or is not even yours. Many consumers have never heard of DataX until a lender denies them because of it.

Is DataX reporting inaccurate information about you?

The most damaging DataX errors we see include:

• It is not your data (identity theft). A loan or application someone else made in your name can appear on your DataX file.
• Someone else's file mixed with yours. If DataX merges your file with another person who has a similar name or Social Security number, you may have a mixed file — one of the most damaging reporting errors.
• A loan you paid still showing as unpaid or in default. Short-term loans that were repaid, settled, or discharged can keep reporting a balance or default.
• Outdated or duplicate entries. The same loan reported twice, or negative information kept past the time the law allows.

Each of these is a potential violation of the Fair Credit Reporting Act, which can entitle you to have the item corrected or deleted and to recover damages, often at no cost to you.

Your rights under the Fair Credit Reporting Act

DataX is a consumer reporting agency under the Fair Credit Reporting Act (15 U.S.C. § 1681). That means it must follow reasonable procedures to assure the maximum possible accuracy of what it reports (§ 1681e(b)), it must conduct a reasonable reinvestigation when you dispute an error (§ 1681i), and it must give you a free copy of your report on request. When it fails to fix an error after a proper dispute, it can be held accountable — and if the violation was willful, you may be entitled to additional damages.

How to get your DataX report and dispute an error

DataX is an Equifax company based in Las Vegas, Nevada. Request your free consumer report and file disputes through DataX's consumer disclosure page at consumers.dataxltd.com. Put any dispute in writing and keep proof of what you send.

Then dispute every inaccuracy in writing, keep copies of everything you send and receive, and if the error is the result of identity theft, file a report at IdentityTheft.gov and include it. If DataX does not correct the error after a proper dispute, you may have a claim under the FCRA.

DataX and consumer-protection law

DataX is a nationwide specialty consumer reporting agency subject to the Fair Credit Reporting Act, which means it must give you a free report on request, maintain reasonable accuracy, and reinvestigate your disputes. Source: Consumer Financial Protection Bureau. If a DataX report is inaccurate or is not yours, you have the right to have it corrected.

Who we can help and who we can not

We represent consumers whose DataX report contains inaccurate information — data that is not yours, a mixed file, a paid loan still reported as unpaid, or outdated entries. That is the kind of Fair Credit Reporting Act problem we handle. We are not the right firm if the information DataX is reporting is accurate and you simply do not want it reported, or if you are looking for a way out of a loan you genuinely owe. Our focus is fixing inaccurate reporting and recovering damages for the harm it causes.

How The Kim Law Firm helps

If you disputed a DataX error and it was not fixed — or the damage is already done — we can help. We hold consumer reporting agencies accountable under the FCRA: we demand that the error be corrected and we pursue compensation for the harm it caused. The FCRA lets us recover our fees from the agency that broke the law, so your case review is free and we work on a no-fee-unless-we-win basis. Start your free case review or call 855-996-6342 today.

Dealing with a different reporting agency? See our pages on the nationwide credit bureaus and our other consumer-reporting resources.

Frequently asked questions about DataX

What is DataX and why is it on my loan application? DataX is a specialty consumer reporting agency that sells reports to lenders, mostly in the subprime and short-term-lending market. A lender pulled your DataX report to decide whether to approve you.

How do I get my DataX report? As an FCRA-regulated consumer reporting agency, DataX must give you a free copy of your report on request through its consumer disclosure process. Review it for anything inaccurate or that is not yours.

Can I dispute and remove inaccurate DataX information? Yes. Dispute it in writing with DataX; anything it cannot verify must be corrected or deleted. If it fails to investigate, that failure can itself be an FCRA claim.

What does it cost to have my case reviewed? Nothing. The FCRA shifts attorney's fees to the agency that broke the law, so we offer a free case review and work on a no-fee-unless-we-win basis.