Know who you're up against
Companies we sue
Credit bureaus and screening companies sell reports about you, and banks, collectors and loan servicers feed them the data. When that data is wrong, federal law lets you hold them accountable. Find the company that reported you.
Credit bureaus
Nationwide credit bureauEquifaxEquifax sells your credit file to lenders, landlords and employers. When that file is wrong and Equifax won't fix it, the Fair Credit Reporting Act lets you sue.Nationwide credit bureauExperianExperian sells your credit history to the companies deciding whether to lend to you, rent to you or hire you. If it reports false information and brushes off your dispute, federal law gives you the right to sue.Nationwide credit bureauTransUnionTransUnion reports on you to lenders, and through its rental screening subsidiary, to landlords. If either report is wrong and TransUnion won't correct it, the Fair Credit Reporting Act lets you hold it accountable.
Specialty consumer reporting agencies
Employment and income verificationThe Work NumberThe Work Number, run by Equifax Workforce Solutions, tells employers, lenders and government agencies where you worked and what you earned. If that data is wrong and Equifax won't fix it, the Fair Credit Reporting Act lets you sue.Insurance, identity and public records reportsLexisNexis Risk SolutionsLexisNexis Risk Solutions sells consumer reports used by insurers, lenders and others, including C.L.U.E. claims history reports and driving data reports. If your LexisNexis file is wrong and the company won't fix it, the Fair Credit Reporting Act lets you sue.Bank account screeningChexSystemsBanks and credit unions check ChexSystems before they let you open an account. If your ChexSystems file is wrong and the company won't fix it, the Fair Credit Reporting Act gives you the right to sue.Bank account screeningEarly Warning ServicesEarly Warning Services is a bank-owned consumer reporting agency that banks check before opening accounts and accepting payments. If its file on you is wrong and it won't correct it, the Fair Credit Reporting Act lets you sue.Mortgage credit reportsCoreLogic CredcoCredco, part of the company now known as Cotality (formerly CoreLogic), sells merged credit reports that lenders, including mortgage companies, use to approve loans. If a Credco report about you is wrong and it isn't fixed, the Fair Credit Reporting Act may let you sue.Alternative credit reportingClarity ServicesClarity Services, part of Experian, sells reports and scores to lenders that serve subprime and thin-file borrowers. If your Clarity file is wrong and the company won't fix it, the Fair Credit Reporting Act gives you the right to sue.Alternative credit reportingMicroBiltMicroBilt builds consumer reports and risk scores from recurring bill payment data and sells them to lenders. If your MicroBilt file is wrong and the company won't correct it, the Fair Credit Reporting Act lets you sue.
Background check companies
Employment & gig-work background checksCheckrCheckr runs background checks for employers and gig platforms, including Uber and Lyft. If a Checkr report pinned someone else's record on you or reported something it shouldn't have, the Fair Credit Reporting Act gives you the right to fight back.Employment background checksSterlingSterling, now part of First Advantage, screens job candidates for employers. If its report tied you to someone else's record or reported something too old or incomplete, the Fair Credit Reporting Act gives you the right to sue.Employment background checksHireRightHireRight screens job applicants and gig workers for employers around the world. If its report showed a record that isn't yours, isn't current or shouldn't be there, the Fair Credit Reporting Act lets you sue.Employment background checksFirst AdvantageFirst Advantage is one of the largest employment background screening companies, and since late 2024 it also owns Sterling. If its report got you wrong, the Fair Credit Reporting Act lets you dispute it and, when the company fails you, sue.Employment background checksGoodHireGoodHire runs employment background checks for small businesses. If your GoodHire report was wrong and cost you a job, the Fair Credit Reporting Act gives you the right to sue.Employment background checksAccurate BackgroundAccurate Background prepares employment background checks covering criminal records, driving records, drug tests and employment verification. If its report about you was wrong, the Fair Credit Reporting Act gives you the right to sue.Employment and tenant screeningCertnCertn screens job applicants and rental applicants for employers and property managers. For U.S. residents, Certn says it is a consumer reporting agency under the Fair Credit Reporting Act, so if its report about you is wrong, you may have the right to sue.
Tenant screening companies
Tenant screeningRealPageRealPage's screening reports help landlords decide who gets a lease. If a RealPage report linked you to someone else's criminal record or got your rental history wrong, the Fair Credit Reporting Act gives you the right to fix it and to sue.Tenant screeningSafeRentSafeRent Solutions sells landlords tenant screening reports and an applicant risk score. If the data behind that report is wrong and SafeRent won't fix it, the Fair Credit Reporting Act lets you sue.Tenant screeningRentGrowRentGrow, a Yardi company, screens rental applicants for property managers. If its report shows records that are duplicated, outdated or not yours, the Fair Credit Reporting Act lets you demand a fix and, if RentGrow fails, sue.Tenant screeningTransUnion Rental ScreeningTransUnion Rental Screening Solutions, the company behind SmartMove, sells tenant screening reports and resident risk scores to landlords. If it reports evictions that were dismissed, duplicated or sealed, the Fair Credit Reporting Act gives you the right to a fix and, when it fails, a lawsuit.
Banks & lenders
Bank & credit card lenderChaseChase credit cards, auto loans and mortgages show up on millions of credit reports. When that data is wrong and Chase won't fix it after a dispute, the Fair Credit Reporting Act may let you sue.Bank & credit card lenderBank of AmericaA Bank of America card you never applied for, a payment it never credited, a balance you don't owe. When the bank won't correct what it reports, the Fair Credit Reporting Act may let you sue.Bank, mortgage & auto lenderWells FargoWells Fargo mortgages, auto loans, credit cards and personal loans all show up on credit reports. When a payment it misapplied or an account you never opened shows up on your report, the Fair Credit Reporting Act may let you sue.Bank, credit card & store card issuerCitibankCiti issues its own cards, co-branded cards and store cards, plus mortgages and personal loans. If Citi reports a settled debt as charged off or a payment as late when it wasn't, the Fair Credit Reporting Act may let you sue.Credit card & auto lenderCapital OneCapital One issues credit cards and auto loans, and since May 2025 it owns Discover. When Capital One reports something false and won't fix it after a dispute, the Fair Credit Reporting Act may let you sue.Credit card & personal loan lender (now part of Capital One)DiscoverDiscover cards and personal loans are now Capital One accounts. If a Discover account is reported with the wrong history, the wrong balance or under the wrong name and the error isn't fixed after a dispute, the Fair Credit Reporting Act may let you sue.Credit card issuerAmerican ExpressAmerican Express reports your card and charge accounts to the credit bureaus every month. When that reporting is wrong and a dispute doesn't fix it, the Fair Credit Reporting Act may let you sue.Store card issuerSynchronySynchrony Bank issues the store and brand credit cards behind many retailers and medical providers. When a Synchrony account is reported wrong, or was never yours, the Fair Credit Reporting Act may give you a claim.National bankU.S. BankU.S. Bank reports credit cards, mortgages and other loans to the credit bureaus. If it reports an account you never opened, or gets your payment history wrong and won't fix it, the Fair Credit Reporting Act may give you a claim.Auto lenderAlly FinancialAlly Financial finances cars through dealerships nationwide and reports those loans to the credit bureaus. When an extension, payoff or repossession is reported wrong and a dispute doesn't fix it, the Fair Credit Reporting Act may give you a claim.Auto lenderSantander ConsumerSantander Consumer USA finances and services auto loans, including loans made under the Chrysler Capital name, and reports them to the credit bureaus. When that reporting is wrong and a dispute doesn't fix it, the Fair Credit Reporting Act may give you a claim.Credit card issuerCredit One BankCredit One Bank issues credit cards and reports them to the credit bureaus every month. When a Credit One account is reported wrong and a dispute doesn't fix it, the Fair Credit Reporting Act may give you a claim.Bank & mortgage lenderTruistTruist Bank reports mortgages, home equity lines, auto loans, personal loans and other accounts to the credit bureaus, including accounts that began at BB&T or SunTrust. When that reporting is wrong and a dispute doesn't fix it, the Fair Credit Reporting Act may give you a claim.Bank & mortgage lenderPNC BankPNC Bank, National Association reports the mortgages, credit cards, auto loans and other accounts it holds to the credit bureaus. When that reporting is wrong and a dispute doesn't fix it, the Fair Credit Reporting Act may give you a claim.Bank & credit card lenderTD BankTD Bank reports credit card and deposit account information to the credit bureaus and consumer reporting companies. When that information is wrong and a dispute doesn't fix it, the Fair Credit Reporting Act may give you a claim.Credit card issuerBarclaysBarclays Bank Delaware issues co-branded credit cards in the U.S. for airlines, retailers and other partners and reports those accounts to the credit bureaus. If it reports a card you never opened or a payment history that is wrong and won't fix it, the Fair Credit Reporting Act may give you a claim.Credit card issuerGoldman Sachs (Apple Card)Goldman Sachs Bank USA issues Apple Card and reports Apple Card accounts to the credit bureaus. If it reports a balance you disputed, a fraudulent charge or a late payment that isn't yours and won't fix it, the Fair Credit Reporting Act may give you a claim.Credit unionNavy Federal Credit UnionNavy Federal Credit Union reports its members' credit cards, auto loans, personal loans and mortgages to the credit bureaus. If it reports something false about you and won't correct it after a dispute, the Fair Credit Reporting Act may give you a claim.Bank & credit card lenderUSAAUSAA Federal Savings Bank reports its members' credit cards, auto loans, personal loans and other accounts to the credit bureaus. If that reporting is wrong and a dispute doesn't fix it, the Fair Credit Reporting Act may give you a claim.Auto lenderToyota Financial ServicesToyota Motor Credit Corporation, which uses the Toyota Financial Services name, reports auto loans and leases to the credit bureaus. If it reports payments you didn't miss or a balance you don't owe and won't fix it, the Fair Credit Reporting Act may give you a claim.Auto lenderFord CreditFord Motor Credit Company finances and leases Ford and Lincoln vehicles and reports those accounts to the credit bureaus. If it reports a late payment, balance or repossession that isn't accurate and won't fix it, the Fair Credit Reporting Act may give you a claim.Auto lenderGM FinancialGM Financial, the captive finance company of General Motors, reports auto loans and leases to the credit bureaus, including older loans made under the AmeriCredit name. When that reporting is wrong and a dispute doesn't fix it, the Fair Credit Reporting Act may give you a claim.Subprime auto lenderCredit AcceptanceCredit Acceptance Corporation funds and services car loans made through dealers to borrowers with subprime or limited credit, and reports those loans to the credit bureaus. When that reporting is wrong and a dispute doesn't fix it, the Fair Credit Reporting Act may give you a claim.Mortgage lender & servicerRocket MortgageRocket Mortgage originates and services home loans and reports its borrowers' payment histories to the credit bureaus. A single false 30-day late on a mortgage can cost you a refinance or a new home, and if Rocket won't correct it after a dispute, the Fair Credit Reporting Act may give you a claim.Mortgage servicerMr. CooperMr. Cooper, the brand of Nationstar Mortgage LLC, services home loans and reports borrowers' payment histories to the credit bureaus. Since October 2025 it has been part of Rocket Companies. If Mr. Cooper reports a late payment or balance that isn't right and won't correct it, the Fair Credit Reporting Act may give you a claim.
Debt collectors & debt buyers
Debt buyer & collectorMidland Credit ManagementMidland Credit Management and Midland Funding buy old debts and report them to the credit bureaus. When that reporting is wrong and Midland won't fix it after a dispute, federal law lets you hold it accountable.Debt buyer & collectorPortfolio Recovery AssociatesPortfolio Recovery Associates buys old debts and reports them to the credit bureaus. If PRA's reporting is wrong and it won't fix it after you dispute, the Fair Credit Reporting Act may let you sue.Debt buyer (serviced by Resurgent)LVNV FundingLVNV Funding buys charged-off debts and has Resurgent Capital Services manage them. If an LVNV collection on your credit report is inaccurate and stays that way after you dispute, the Fair Credit Reporting Act may let you sue.Debt buyer & collectorJefferson CapitalJefferson Capital Systems buys charged-off and bankruptcy accounts and reports them to the credit bureaus. If its reporting is wrong and stays wrong after you dispute, the Fair Credit Reporting Act may let you sue.Debt buyer & collectorCavalryCavalry buys non-performing consumer debts and reports them to the credit bureaus. If a Cavalry collection on your report is inaccurate and stays that way after you dispute, the Fair Credit Reporting Act may let you sue.Debt collectorEnhanced Recovery CompanyEnhanced Recovery Company is a collection agency whose accounts have included phone, cable, utility and credit card debts. If ERC reports a debt wrong and won't fix it after a dispute, the Fair Credit Reporting Act lets you sue.Debt collectorTransworld SystemsTransworld Systems is one of the largest debt collectors in the country, whose clients have included lenders, healthcare providers, telecoms, utilities and private student loan trusts. When TSI reports a debt wrong and won't fix it after a dispute, federal law lets you fight back.Debt collectorIC SystemIC System collects unpaid medical, dental, utility, phone and small-business bills and reports them to the credit bureaus. If IC System reports a debt wrong and won't fix it after a dispute, federal law lets you sue.Debt collectorConvergentConvergent Outsourcing has collected wireless, satellite TV and payment-account debts and old balances owned by debt buyers. If a Convergent collection on your report is wrong and stays wrong after a dispute, federal law lets you sue.Apartment debt collectorNational Credit SystemsNational Credit Systems collects unpaid rent and move-out charges for apartment communities and reports them to the credit bureaus. A wrong NCS collection can cost you your next apartment, and federal law lets you fight back.Debt collectorCredit Collection ServicesCredit Collection Services, part of the Norwood, Massachusetts-based CCS Companies, collects consumer debts for insurers, healthcare providers, telecom and utility companies and others. If CCS reports a debt wrong and does not fix it after you dispute, federal law may let you sue.Debt collectorRadius Global SolutionsRadius Global Solutions is a Minnesota-based collection agency and call center company that works for healthcare, telecom, utility, financial services and retail clients. If Radius reports a debt wrong and does not fix it after you dispute, federal law may let you sue.Debt collectorCredence Resource ManagementCredence Resource Management is a Dallas-based debt collector that says it serves healthcare, telecommunications and retail clients. If Credence reports a debt wrong and does not fix it after you dispute, federal law may let you sue.Debt collectorAfniAfni is an Illinois debt collector that the CFPB has described as specializing in telecommunications debt, and it reports the accounts it collects to the credit bureaus. If Afni reports a debt wrong and does not fix it after you dispute, federal law may let you sue.Debt collectorHunter WarfieldHunter Warfield is a debt collection agency that works for property management companies, collecting balances former residents allegedly owe after move-out. If Hunter Warfield reports a rental debt wrong and does not fix it after you dispute, federal law may let you sue.Debt buyer & collectorSpring Oaks CapitalSpring Oaks Capital is a Chesapeake, Virginia company that buys and services past-due consumer credit accounts and says it may report them to Equifax, Experian and TransUnion. If it reports a debt wrong and does not fix it after you dispute, federal law may let you sue.Debt buyer & collectorVelocity InvestmentsVelocity Investments is a New Jersey debt buyer that purchases charged-off consumer accounts and uses a network of collection agencies and law firms to collect them. If a Velocity account is reported wrong and not fixed after you dispute, federal law may let you sue.Debt buyer & collectorCrown Asset ManagementCrown Asset Management buys distressed consumer debt, including credit card, auto and consumer loan accounts, and hires outside collection agencies and law firms to collect it. If a Crown account is reported wrong and not fixed after you dispute, federal law may let you sue.
Student loan servicers
Student loan servicerNavientNavient holds private student loans and older federal FFELP loans, and those accounts show up on borrowers' credit reports. When that reporting is wrong and stays wrong after you dispute, the Fair Credit Reporting Act lets you sue.Student loan servicerNelnetNelnet services federal student loans for the Department of Education and bought fellow servicer Great Lakes in 2018. If Nelnet's reporting to the credit bureaus is wrong and it verifies the error after you dispute, the Fair Credit Reporting Act lets you sue.Student loan servicerMOHELAMOHELA services federal student loans for the Department of Education and, since a 2024 agreement, servicing work for Navient. When MOHELA's reporting to the credit bureaus is wrong and it is not fixed after you dispute, the Fair Credit Reporting Act lets you sue.Student loan servicerAidvantageAidvantage, a Maximus company, took over millions of federal student loan accounts from Navient and reports them to the credit bureaus every month. If that reporting is wrong and stays wrong after you dispute, the Fair Credit Reporting Act lets you sue.Student loan servicerEdFinancialEdfinancial Services is a Knoxville, Tennessee student loan servicer that handles federal loans on behalf of Federal Student Aid. If its reporting to the credit bureaus is wrong and it is not corrected after you dispute, the Fair Credit Reporting Act lets you sue.Private student lenderSallie MaeSallie Mae Bank makes and services private student loans, and it reports those loans to the credit bureaus for borrowers and cosigners alike. If that reporting is wrong and it is not fixed after you dispute, the Fair Credit Reporting Act lets you sue.