Misuse of Your Credit Report

Learn how you can fight back when your credit report has been misused, or when debt collectors violate the Fair Credit Reporting Act (FCRA).

When a debt collection agency, creditor, or other information furnisher messes with your credit report, it can undermine your financial future. That’s why it’s important to fight back. Under the Fair Credit Reporting Act (FCRA), you can sue a business that misuses your credit report, a credit reporting agency (also known as a credit bureau), or a business that provides inaccurate information. However, you must do so within two years of finding that there’s a problem or five years from the time the violation was committed – whichever comes first.

Did a background check error cost you a job?

With the help of a fair debt and fair credit attorney, you can file a federal lawsuit for violations of the Fair Credit Reporting Act (FCRA). You can receive actual damages, or between $100 and $1,000 – whichever is more. In addition, you can receive punitive damages and attorney fees.

If you or someone you know is the victim of credit report issues, complete our online form or call 475-277-2200. Lemberg Law’s legal team will evaluate your case at no cost to you, and will help you get the justice you deserve.