Kansas is one of the few states with its own Fair Credit Reporting Act, K.S.A. 50-701 through 50-725. It dates to 1973, the same era as the federal law. It gives Kansans state-law rights alongside the federal FCRA. For example, K.S.A. 50-708 requires a consumer reporting agency, on request, to disclose the nature and substance of the information in your file, its sources, and who received your report.
The Kansas act has its own limits on old information in K.S.A. 50-704. Bankruptcies may not be reported after 14 years. Suits and judgments may not be reported after seven years or the statute of limitations, whichever is longer. Paid tax liens, collection and charged-off accounts, and most other adverse items may not be reported after seven years. These limits do not apply to reports used for credit or life insurance of $50,000 or more, or for jobs paying $20,000 a year or more. Kansas's security freeze law, K.S.A. 50-723, bars fees for placing, lifting or removing a freeze. It makes a person who willfully violates the freeze rules liable for actual damages or $100 to $1,000, plus punitive damages and attorney's fees.
Kansas has one federal district. FCRA lawsuits by Kansas residents are usually filed in the U.S. District Court for the District of Kansas, which holds court in Kansas City, Topeka and Wichita. A case may include claims under both the federal FCRA and the Kansas act, depending on the facts.
Where Kansas FCRA cases are filed
FCRA claims are federal, so they go to a United States District Court. Cases from Kansas are heard in one federal district:
- District of KansasCourthouses: Kansas City, Topeka, Wichita.Filed with local or cooperating counsel
Our attorneys are licensed in Texas, California, and Georgia. Where they aren't admitted in your local federal court, we work with local or cooperating counsel who are. You may also be able to sue where the company that reported you is based, in a court where our attorneys are admitted:
- Experian: HQ in C.D. California · Dispute Processing in E.D. Texas · Offices in N.D. Illinois
- Equifax: HQ in N.D. Georgia
- TransUnion: HQ in N.D. Illinois
- Santander Consumer: HQ in N.D. Texas
Which court is right depends on your facts. We'll tell you at your free case review.
Kansas laws that add to the FCRA
- Kansas Fair Credit Reporting Act (K.S.A. 50-701 to 50-725)
Kansas's own credit reporting law regulates consumer reporting agencies, including what they must disclose to consumers and how long adverse information may be reported. It works alongside the federal FCRA. Read it - Obsolete information (K.S.A. 50-704)
Bars reporting bankruptcies after 14 years and most other adverse items, including collection accounts and paid tax liens, after seven years. The limits do not apply to reports for credit or life insurance of $50,000 or more, or jobs paying $20,000 or more a year. Read it - Security freeze (K.S.A. 50-723)
Lets consumers freeze their report at no charge. The agency must place a freeze within five business days and remove it within three business days of a valid request. Willful violations can lead to actual damages or $100 to $1,000, plus punitive damages and attorney's fees. Read it
Common credit report errors
- Accounts that aren't yours, including mixed-file and identity theft accounts
- Late payments you didn't make, or payments not credited
- Paid, settled or discharged debts still shown as owed
- Collections reported past the seven-year limit or re-aged
- A deceased indicator on a living person's file
Learn how these cases work on our credit report lawsuits page, or read our lawsuit guides for Equifax, Experian and TransUnion.
Frequently asked questions
Does Kansas have its own credit reporting law?
Yes. The Kansas Fair Credit Reporting Act, K.S.A. 50-701 through 50-725, regulates consumer reporting agencies in Kansas. It covers disclosures to consumers, limits on outdated information and security freezes. It applies in addition to the federal FCRA.
How long can a collection account stay on my credit report in Kansas?
Under K.S.A. 50-704, collection and charged-off accounts generally may not be reported once they are more than seven years old, similar to the federal rule. The limit does not apply when the report is used for credit of $50,000 or more, certain life insurance, or a job paying $20,000 or more a year.
Where would a Kansas FCRA case be filed?
Kansas has a single federal district, so a federal case is filed in the U.S. District Court for the District of Kansas in Kansas City, Topeka or Wichita. FCRA cases can also be filed in state court. Note that Kansas City, Missouri cases go to a different federal court, in Missouri.
How long do I have to file an FCRA lawsuit in Kansas?
FCRA deadlines are the same everywhere: generally two years from when you discover the violation, and no more than five years from when it happened (15 U.S.C. § 1681p). Waiting can cost you the claim.
Sources
- U.S. District Court for the District of Kansas
- K.S.A. 50-704 (obsolete information)
- K.S.A. 50-708 (disclosures to consumers)
- K.S.A. 50-723 (security freeze)
- Kansas HB 2580 (2018), confirming the act's citation range
- K.S.A. 22-4710 (employer access to criminal history)
- NELP, Ban the Box / Fair Chance Hiring State and Local Guide
- Fair Credit Reporting Act, 15 U.S.C. § 1681 et seq.
Updated November 2026. This page is general information, not legal advice.