Credit report errors? We've sued the bureaus.
Experian, Equifax, and TransUnion get it wrong constantly — and lenders feed them bad data. The Fair Credit Reporting Act gives you the right to dispute, and if the bureaus don't fix it, you may be able to recover damages, and force them to fix it.
No upfront fees · Statute fee-shifts to the bureaus
FCRA violations we see every week
- Accounts that aren't yours appearing on your report
- Paid-off debts still listed as past due or in collections
- Mixed files — someone else's accounts merged with yours
- Identity theft accounts the bureaus refuse to remove
- Disputes the bureaus 'investigate' in seconds and reject
- Old debts re-aging or reappearing after deletion
Damages under the Fair Credit Reporting Act
Actual damages
Denied loans, higher interest, lost housing, lost jobs, emotional distress.
Statutory damages
Up to $1,000 per willful violation — no proof of harm required.
Punitive damages
Available where the bureau or furnisher acted recklessly or willfully.
Attorney's fees
The FCRA shifts fees to the defendant. You don't pay us out of pocket.
Three steps from error to lawsuit
- 1
Dispute in writing
You (or we) send written disputes to each bureau and furnisher reporting the error. This triggers their statutory duty to investigate.
- 2
They blow it off
Most bureaus 'investigate' in seconds via an automated system called e-OSCAR. They re-verify the bad data. That's the violation.
- 3
Hire an FCRA attorney
An FCRA attorney may be able to file suit on your behalf in federal court. The FCRA shifts attorney's fees, so firms like ours can pursue cases at no cost and recover damages on your behalf.
FCRA guides & case examples
Can I sue for credit report errors? FCRA explained
What counts as an FCRA violation, what damages you can recover, and the steps to a winning case against the bureaus.
Read Credit Report ErrorsMixed credit file: someone else's accounts on my report
When the bureaus blend your file with a stranger's, the FCRA hands you one of the strongest cases in consumer law.
Read Credit Report ErrorsPaid collection still showing on credit report — what to do
You paid the debt and it's still tanking your score. Here's what the FCRA actually requires — and how to force a fix.
Read Credit Report ErrorsHow to remove a charge-off from your credit report
Most charge-offs are reported with errors that, under the FCRA, require deletion. Here's the playbook.
Read Credit Report ErrorsWhat is a 1681i dispute letter? (With template)
FCRA §1681i forces the bureaus to actually investigate. Here's what to put in your letter — plus a template you can adapt.
Read Identity TheftSomeone opened a credit card in my name — what to do
Shut down the fraudulent account, force the bureaus to remove it, and sue under the FCRA when they refuse.
ReadCommon questions
How much should an FCRA attorney cost?
Nothing out of pocket. The FCRA awards attorney's fees to consumers who win. We take cases on contingency.
Can I sue if I haven't disputed yet?
Sometimes. But the bureau and furnisher usually have to be put on notice. We can help you draft the dispute the right way.
What if the credit bureau 'verified' the error?
That's often the strongest case. A sham investigation that re-verifies false data is exactly what the FCRA prohibits.
How long do I have to sue?
Generally 2 years from your dispute. Don't wait to contact counsel if you believe you may have a case.