If I sue a credit reporting agency under the FCRA, will they pay attention?


Credit reports should accurately show your credit history as required by FCRA

Your credit report should be accurate under federal law FCRA

When you’re dealing with a credit reporting agency, you may wonder, “If I sue a credit reporting agency (such as Equifax, Experian, TransUnion) under the FCRA (Fair Credit Reporting Act), will it grab their attention?”

Yes, it definitely will get their attention to sue them under the FCRA in Federal Court.

This doesn’t mean that you will automatically be successful, because you have to follow the rules, and your case needs to have enough support for your position.

When they get a lawsuit like this, they treat it seriously.

Here are a couple of reasons why:

1.) They’ve been sued in Federal Court.

This should get anyone’s attention.

2.) They’ve been sued under the FCRA.

This allows you to be awarded damages.

These may include mental anguish, economical loss, and punitive damages.

Mental anguish is where you say, “This is very upsetting, and very disturbing for me to deal with.”

Economical loss is where, because of false credit reporting, you’ve been turned down for a home or business loan.

In this case, there’s different levels of economic loss, because your interest rate is higher than you should be paying.

The difference you’re paying may be the damages you can get.

Punitive damages punish the credit reporting agencies.

You can also get attorney’s fees.

Not only do they have to pay you and their attorneys, but they also will have to pay your attorney,

It’s very serious when a credit reporting agency is sued under the FCRA

However, they will sometimes try to act like they have done nothing wrong.

Especially if your lawyer isn’t experienced in this area, the credit reporting company will say, “Oh, we haven’t done anything wrong here. Just take $1,000 and let this case go.”

We’ve had cases where they’ve said that to us, and they ended up paying us a 6 figure check.

Understand that, even if they treat it seriously in their mind, they will tell you everything is fine.

Feel free to contact us

If you live in Alabama and you’re wondering about your credit reports, or whether you can sue the credit reporting agency, you are more than welcome to get in touch with us.

If you have already hired a lawyer, don’t call us. Your lawyer should be able to answer your questions.

However, if you have not hired a lawyer and would like to get advice, feel free to call us at 1-205-879-2447, or fill out a contact form and we will happily get in touch with you.

I look forward to talking with you!

Have a great day.

-John G. Watts


2 Comments

  1. Son Doan says:

    Hi,

    I have sending certify letters to all 3 major credut bureas about and error on my file. Last year, i have contact all 3 credit bureaus to let them know that the county of clerks has updated the courts decision in my favor that i had with a creditor. I have sent them numerous legal documents obtain from the clerks office to let them understand about the decision and that case is now closed. Unfortanely everytime i sent them a letter of proof they would respond that they have verify the information which cant be posdible true. This ordeal has cause me auguish and lost of employment opportunities. Please advise.

    • John Watts says:

      Son,

      I understand how frustrating this can be to deal with credit reporting errors.

      Let me make sure I understand your situation.

      You were sued by a creditor and you won your case?

      But the credit reporting agencies (Equifax, Experian, and Trans Union) are still reporting the balance owed even though you have disputed it?

      You certainly need to get with a lawyer in your state who is skilled at consumer protection law — especially the FCRA (Fair Credit Reporting Act).

      If you are in Alabama, give us a call at 205-879-2447.

      Sorry you are having to deal with this and look forward to hearing from you if you live in Alabama. (If you are outside of Alabama we can’t help you unless you are wanting to sue the credit bureaus in Alabama where we are licensed to practice law).

      Thank you

      John Watts

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