Credit Report Lawyer
Errors on Your Credit Report? You Have Rights Under the FCRA
Credit-reporting litigation under the Fair Credit Reporting Act is the core of the firm's practice. When the bureaus or the companies that report to them get your information wrong and will not fix it, the FCRA may entitle you to have the error corrected and to recover damages.
Contact UsRequest a Free Case Evaluation
Tell us about your consumer-law matter. We review submissions to determine whether we may be able to assist.
Free case evaluations help us decide whether your matter may be a fit for the firm. They are not legal advice, do not guarantee representation, and do not create an attorney-client relationship.
You May Have a Claim If...
The more of these that apply, the more reason to have your reports reviewed.
Understanding Your Rights
What the law requires, and what you can do about an error.
What the FCRA Requires
Credit bureaus and the companies that report information to them (furnishers) must follow reasonable procedures to keep reporting accurate and must investigate disputes you raise.
How to Dispute an Error
Get your reports from Experian, Equifax, and TransUnion (free once a year at annualcreditreport.com). Send written disputes with your name, address, the last four digits of your Social Security number, your date of birth, a clear explanation, and copies of any supporting documents. Bureaus generally have about 30 to 45 days to respond.
Furnishers and Bureaus
You may have claims against the company that reported the information and against the bureaus. An attorney can help make sure the right parties are named in any lawsuit.
What Damages May Be Available
Depending on the facts, the FCRA allows actual damages (including for emotional distress), statutory damages of $100 to $1,000 per violation, and in some cases punitive damages and attorney's fees. Amounts are not guaranteed and depend on the evidence.
What to Do Now
Save each credit report as a PDF, keep copies of every dispute letter and response, and do not delete related emails or mail. Good records make a claim much easier to evaluate.
About the Industry
The credit-reporting system is run by a few large companies that collect and sell information about nearly everyone. When they report inaccurate information, it can affect your access to credit, housing, and employment, so errors are worth taking seriously.
Ready to Fix Your Credit Report?
Send us your reports and a short description of the errors. We can review whether you have an actionable claim and what steps make sense. There is no cost to have your matter reviewed, and submitting information does not create an attorney-client relationship or a request for legal advice.
Contact Us