Credit Report Errors? Sue for $1,000–$50,000+
The Fair Credit Reporting Act (FCRA) gives you the right to sue credit bureaus and furnishers that report inaccurate information and refuse to fix it. We handle these cases nationwide on contingency.
FCRA Settlement Ranges
- Statutory damages (per violation)Up to $1,000
- Actual damages$5,000 - $50,000+
- Emotional distress damagesVaries by case
- Attorney fees & costsPaid by defendant
- Punitive damages (willful violation)Uncapped
What is the Fair Credit Reporting Act?
The Fair Credit Reporting Act (FCRA) is a federal law enacted in 1970 that regulates the collection, dissemination, and use of consumer credit information. It was designed to ensure the accuracy, fairness, and privacy of the information in consumer credit bureau files.
Under the FCRA, credit reporting agencies (Equifax, Experian, and TransUnion) must follow strict procedures when collecting, sharing, and verifying your credit information. If they fail to do so, you have the right to sue for damages.
The law also places obligations on furnishers — the banks, lenders, and collection agencies that provide information to the credit bureaus. Furnishers must report accurate information and properly investigate disputes.
The Three Credit Bureaus
Equifax
One of the largest credit bureaus, Equifax has faced massive scrutiny including a 2017 data breach affecting 147 million consumers.
Experian
Experian is the world's largest credit bureau. They are frequently named in FCRA lawsuits for failing to properly investigate disputes.
TransUnion
TransUnion maintains files on over 1 billion consumers worldwide. They must investigate disputes within 30 days under the FCRA.
Common FCRA Violations
If any of these apply to you, the credit bureau or furnisher may be liable for damages.
Inaccurate Account Information
Wrong balances, incorrect payment history, accounts that don't belong to you, or accounts showing as open when they're closed.
Mixed Credit Files
Your credit file is mixed with someone else's, often someone with a similar name or Social Security number.
Failure to Investigate Disputes
Credit bureaus are required to conduct a reasonable investigation within 30 days. Rubber-stamping furnisher responses is not sufficient.
Unauthorized Hard Inquiries
Hard inquiries on your report from companies you never authorized to check your credit.
Outdated Negative Information
Negative items that should have aged off your report (most must be removed after 7 years).
Furnisher Violations
Banks, lenders, and collectors that report false information or fail to update after a dispute are also liable.
Your Rights Under the FCRA
Get Your Free FCRA Case Review
Tell us about the errors on your credit report. We’ll review your case at no cost.
Credit Report Errors? Get Your Free Case Review
No fees unless we win. Our FCRA attorneys are ready to help.