Boston Massachusetts Credit Reporting Lawyers
Have you been denied a job, apartment, or loan in Boston because of inaccurate information on your credit report or background check? You’re not alone — and you’re not powerless. Under the Fair Credit Reporting Act (FCRA), you have rights, and FCRA Attorneys is here to enforce them.
We help consumers in Boston, Cambridge, Somerville, Quincy, Brookline, and across Eastern Massachusetts fix credit and background check errors, file legal disputes, and recover financial compensation when reporting agencies violate the law.
Whether your file is mixed with someone else’s, you’ve been the victim of identity theft, or your background check contains outdated criminal records — our team of experienced FCRA attorneys can help.
WE CAN GET YOU COMPENSATION
FREE CASE EVALUATION
(888) 498-9533
What Is the Fair Credit Reporting Act (FCRA)?
The FCRA is a federal law designed to ensure that credit bureaus, background check companies, and information furnishers report data accurately, fairly, and securely.
Your legal rights under the FCRA include:
- Access to your credit and background reports
- The right to dispute errors and inaccurate information
- A 30-day window for companies to investigate and respond
- The right to block fraudulent accounts with proper documentation
- Notification if a report was used to deny you employment, housing, or credit
- The ability to sue for damages when your rights are violated
If you’ve been harmed by false or outdated information, you may be entitled to compensation.
Why FCRA Violations Are Common in Greater Boston
With a dense population, a highly competitive housing market, and rigorous employment screening in sectors like healthcare, tech, education, and finance, Greater Boston residents are especially vulnerable to inaccurate consumer reporting.
Common issues include:
- Tenant screening errors causing housing rejections in neighborhoods like Allston, Brighton, or Jamaica Plain
- Employment background check mistakes that cost job offers at hospitals, schools, and financial institutions
- Student loan reporting errors affecting recent graduates in Cambridge or Fenway
- Identity theft not properly addressed
- Mixed credit files due to shared names or close social security numbers
- Outdated public records that should have been removed years ago
If any of this sounds familiar, you may have an FCRA claim — and we’re here to help.
Common FCRA Violations We Handle
At FCRA Attorneys, we routinely handle the following FCRA violations for Boston-area clients:
1. Mixed or Merged Credit Files
When your report contains information from someone else with a similar name or SSN — including credit accounts, addresses, or criminal records.
2. Outdated Criminal or Eviction Records
Background reports that include dismissed charges, sealed records, or old evictions that should no longer be disclosed.
3. Duplicate or Re-aged Accounts
Debts that appear more than once or are updated to seem newer than they really are — lowering your credit score.
4. Failure to Investigate Disputes
If you submit a written dispute and the credit bureau or background check company doesn’t properly investigate, it’s a violation of the FCRA.
5. Identity Theft
If you’ve submitted proof of identity theft and the credit bureaus fail to block the fraudulent accounts, you may be entitled to sue.
6. Unauthorized Credit Pulls
When a company accesses your credit report without your permission or for an invalid reason.
Real Consequences of Credit & Background Check Errors in Boston
In a city like Boston — with high rents, competitive job markets, and tight lending policies — a credit or background check error can be devastating.
These are real consequences our clients have faced:
- Denied apartment leases in Back Bay or South End
- Revoked job offers in healthcare or finance due to background errors
- Rejected student loan applications for local universities
- Security clearance complications
- Higher loan rates from banks and credit unions
- Emotional distress and financial instability
What You Can Recover in an FCRA Case
The FCRA allows consumers to pursue compensation when their rights are violated. Depending on the case, you may be eligible for:
- Statutory damages – Up to $1,000 per violation
- Actual damages – Including lost wages, credit denials, and emotional distress
- Punitive damages – For willful or reckless misconduct
- Legal fees and costs – Paid by the credit bureau or company you sue
Our goal is not just to fix your report — it’s to hold these companies accountable and secure justice on your behalf.
Why Choose FCRA Attorneys?
We are a national law firm focused exclusively on credit report and background check errors under the FCRA. Unlike general practice firms or credit repair services, we file lawsuits in federal court and recover real compensation for our clients.
✅ Free Case Evaluation
We’ll review your report and dispute history — at no cost — and tell you if you have a case.
✅ No Fees Unless We Win
You pay nothing unless we recover money for you. All legal fees are covered by the other side if we win.
✅ Federal Court Experience
We handle cases in the U.S. District Courts for clients.
✅ Personalized Legal Representation
You work directly with an experienced attorney — not a call center or legal assistant.
What To Do If You Spot an Error
If you live in Boston or anywhere in Massachusetts and find a mistake on your report, here’s what to do:
- Get Your Credit Report
Visit AnnualCreditReport.com to request reports from Equifax, Experian, and TransUnion. - Request Your Background Report
If you were denied a job or housing, ask the employer or landlord which background company they used and request your copy. - Review Carefully
Look for unfamiliar accounts, criminal records, incorrect addresses, or outdated debts. - Save Documentation
Keep copies of any rejection letters, dispute responses, court records, or police reports related to identity theft. - Contact FCRA Attorneys
Let us review your case. If you have a valid claim, we’ll take legal action on your behalf.
Areas We Serve in Greater Boston
We represent clients throughout Eastern Massachusetts, including:
- Boston (Allston, Dorchester, South Boston, Back Bay)
- Cambridge & Somerville
- Brookline & Newton
- Quincy & Braintree
- Malden, Medford, and Revere
- Waltham, Watertown, and Belmont
- Framingham, Lowell, and Worcester
Whether you live in the city or the suburbs, we offer remote service, fast response times, and free consultations.
Frequently Asked Questions
Q: Can I still sue even if the report was fixed later?
A: Yes. If the error caused you harm — such as a job or housing denial — you may still be entitled to compensation.
Q: What if I haven’t filed a dispute yet?
A: No problem. We can help you file a proper written dispute, or step in if your previous dispute was ignored.
Q: What does it cost to hire your firm?
A: Nothing upfront. We only get paid if we win your case. The law requires the defendant to cover your attorney fees if you prevail.
Q: What’s the deadline to file an FCRA lawsuit?
A: Generally, within 2 years of discovering the violation, and no more than 5 years from the actual violation.
Speak with a Boston FCRA Attorney Today
If you’ve been denied a job, lease, or credit due to a reporting error, don’t wait. Let FCRA Attorneys help you fix your reports, protect your reputation, and recover the compensation you deserve.
WE CAN GET YOU COMPENSATION
FREE CASE EVALUATION
(888) 498-9533
Disclaimer: FCRA Attorneys handles federal Fair Credit Reporting Act (FCRA) cases exclusively in United States District Courts. Our attorneys may or may not be licensed in the state courts of this jurisdiction and do not handle any state-law matters.
Legal services in this state may be provided by an attorney who is licensed in this state and/or admitted to practice before the United States District Courts located in this state. That attorney will be responsible for all legal services provided to clients in this jurisdiction.
Attorney Advertising: Prior results do not guarantee a similar outcome.