Wrongful credit listing
ESPM

Was your name wrongly reported by ESPM? Learn how to remove your name from Serasa/SPC and what your rights are.

Updated on October 24, 2026

What to do, step by step

Confirm the negative listing by checking Serasa, SPC and Boa Vista for free.
Ask ESPM to prove the debt and cancel the listing, keeping the protocol number.
File a complaint with MEC and on consumidor.gov.br if there is no solution.
Gather evidence that the debt does not exist or has already been paid (receipts, contracts, protocols).
A wrongful credit listing may create a right to immediate removal and compensation.

Official channels: ESPM

Official website: espm.br
Phone: 0800 607 3777
Regulator: MEC · 0800 61 61 61
consumidor.gov.br: Official government platform; filing a complaint is free

Frequently asked questions

What is a wrongful credit listing?

It is the inclusion of your name in default registries (Serasa, SPC) for a debt that does not exist, has been paid, is time-barred, or is not recognized.

Must the company notify me before listing my name?

Yes. The credit protection agency must notify you in writing before the listing (art. 43, § 2, of the CDC, Brazilian Consumer Protection Code). Lack of notice may make the listing irregular.

Can a wrongful listing lead to compensation?

Courts generally understand that wrongful credit listing causes moral damages. Each case, however, depends on the evidence and circumstances.

How quickly should the name be cleared after payment?

After the debt is paid, removal of the listing should occur within 5 business days, according to STJ understanding.

What are the official customer service channels of ESPM?

Official channels of ESPM: Official website: espm.br; Phone: 0800 607 3777. Write down the protocol number of every contact and, if the problem persists, file a complaint with MEC.

What to do, step by step

Official channels: ESPM

Frequently asked questions

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