FCRA Claims — Fix Credit Report Errors
The Fair Credit Reporting Act (FCRA) gives you the right to accurate credit reports. When credit bureaus or furnishers report wrong information or fail to fix it, a consumer protection attorney can help you hold them accountable.
When You May Have an FCRA Claim
Credit report errors can cost you loans, housing, and jobs. These are the situations that often qualify for an FCRA claim.
Inaccurate Accounts
Accounts that aren't yours, wrong balances, or incorrect payment histories dragging down your score.
Failed Investigations
Credit bureaus that fail to reasonably investigate your dispute or correct verified errors within 30 days.
Identity Theft
Fraudulent accounts or charges opened in your name appearing on your credit report.
Unauthorized Access
Entities accessing your credit report without a permissible purpose under the FCRA.
Your Rights Under the FCRA
The FCRA regulates how credit bureaus (Equifax, Experian, TransUnion) and the companies that furnish information to them collect, share, and correct your credit data. It gives consumers the right to see their reports, dispute inaccuracies, and seek damages when errors cause harm.
After you dispute an item, the bureau must investigate within 30 days. If information is inaccurate or cannot be verified, it must be corrected or removed. When bureaus or furnishers ignore these duties, an FCRA claim can recover actual damages, statutory damages, and attorney's fees.
Because credit report errors can affect everything from interest rates to employment, documenting the harm — and the bureau's failure to act — is critical. A consumer protection attorney helps you build that record and pursue the leverage you're entitled to.
Accuracy is your right. Don't let someone else's mistake cost you. Start with a free, confidential review to see if your situation qualifies.
Errors on Your Credit Report?
See if your situation qualifies as an FCRA violation. Free, confidential review — leverage state and federal protections to fight back.
See If You Qualify