Individuals
Facing credit-report errors, debt collectors, or bureaus that ignore your disputes — and ready to make them pay.
Credit report errorsFCRA / FDCPA violationsDebt collection disputesSue & collect statutory damages
About 28SolutioAI dispute letters, debt settlement,
AI dispute letters, debt settlement,
and FCRA lawsuit automation.
We help everyday people fight back against credit bureaus and debt collectors that break the law. Our AI-powered platform cites the FCRA, prepares court-ready filings, tracks every deadline, and helps you collect the statutory damages you’re owed.
Built on the federal frameworks that protect you
FCRA
15 USC §1681
FDCPA
15 USC §1692
AES-256
PII encryption
50 jurisdictions
49 states + DC, plus federal court
USPS
certified mail
50
Jurisdictions
$39
To get started
3
Bureaus disputed
Our story
Why we built a credit-dispute platform.
28Solutio was founded on a simple observation: credit bureaus and debt collectors break the law constantly — inaccurate reporting, ignored disputes, illegal collection tactics — and almost no one holds them accountable, because hiring a lawyer costs more than the violation is worth.
But the law already protects you. The FCRA lets you collect $100–$1,000 for each willful violation, and the FDCPA up to $1,000 per case. The problem was never the law — it was that doing it yourself meant drafting legal documents you’d never seen. We built 28Solutio to close that gap.
Our AI-powered platform reads your credit report, cites each violation, generates court-ready dispute letters and filings, tracks every statutory deadline, and delivers your mail certified. You file, you stay in control, and you keep the damages. We’re not a law firm — we’re the paperwork engine that lets you do it yourself.
Our journey
- 2022Founded
Started building tools to help people fight back against unfair debt and credit reporting
- 2023AI letters
Added AI-powered dispute letter generation — real AI, not templates
- 2024Certified mail
Built USPS certified mail in-app so customers never visit the post office
- 2025Credit building
Launched credit lines up to $99K with Denefits financing, reporting to Equifax
- 2026AI credit disputes
Launched AI dispute letters citing FCRA case law and one-click disputes from credit-report uploads
Who we help
Built for the people the bureaus ignore.
Individuals and small businesses, taking on the credit bureaus and debt collectors that break the law — with court-ready paperwork, not a lawyer’s retainer.
Businesses
Small businesses cleaning up their own credit and resolving collections — same engine, same paper trail.
Business credit disputesDebt resolutionVendor collection errorsCredit building
How it works
A simple 4-step process.
01
Upload your report
Submit your credit report — or the letter a bureau or collector sent you
02
AI finds violations
Our system cites each FCRA / FDCPA violation, deadline, and your next move
03
Track deadlines
Automatic reminders ensure you never miss a statutory window
04
File & collect
Court-ready filings and certified dispute letters — you file, you keep the damages
Our values
The principles that guide us.
Everything we do is driven by our commitment to protecting your rights.
Cite the law
Every letter and filing quotes the exact FCRA/FDCPA statute — protecting your rights at each step, not a template.
Protection first
Whether it’s a credit bureau or a debt collector, you respond with statute-cited documents and a tracked paper trail.
AI-powered
Our system reads your credit report, identifies each violation and deadline, and generates court-ready documents automatically.
Results driven
We measure success by violations disputed, deadlines met, and the statutory damages you keep.
Ready to take control?
Stop letting bureaus and collectors off the hook. Upload your report, find the violations, and make them pay — we prepare every document, you file.