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How much can I sue credit bureaus for?

For example, if you are disputing an inaccurate entry on your credit report, you may demand through your lawsuit $500,000 in damages and that the inaccurate entry be removed from your credit report. The FCRA provides for statutory damages, actual damages, and punitive damages.

What are the consequences of violating the FCRA?

If plaintiffs win FCRA violation cases, the penalties can include damages that the individual suffered because of the defendants actions, fines, orders to alter practices in conducting background checks/credit reports, and additional damages for legal fees.

What is the Fair Credit Reporting Act?

The Fair Credit Reporting Act (FCRA) , 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs).

Who does the Fair Credit Reporting Act apply to?

The FCRA applies to any company that collects and sells data about you to third parties. Such companies, known as consumer reporting agencies, must follow the stipulations of the FCRA. The three most well-known consumer reporting agencies in the U.S. are Equifax, TransUnion and Experian.

Is there a cap on damages in class actions for violations of the FCRA?

If a violation does occur, consumers may be entitled to the following damages: Actual damages. There is no limit to this amount, as long as you can prove the loss.

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