Credit Report Error Lawsuits in Maryland

Maryland has its own credit reporting law, the Maryland Consumer Credit Reporting Agencies Act, in Title 14, Subtitle 12 of the Commercial Law Article. It works alongside the federal Fair Credit Reporting Act. The Maryland Department of Labor's Office of Financial Regulation, which takes complaints about credit bureaus, says Maryland residents are entitled to a free copy of their credit report once every 12 months. A bureau may charge up to $5 for additional reports in that period. When you dispute an item in writing, the bureau must reinvestigate within 30 days and delete information that is inaccurate or cannot be verified. If the dispute is not resolved, you may add a statement of up to 100 words.

Maryland has also restricted medical debt reporting. The Fair Medical Debt Reporting Act (House Bill 1020, Chapter 121 of 2025) took effect October 1, 2025. It bars consumer reporting agencies from furnishing or keeping adverse information they know or should know relates to medical debt. Medical providers may not report medical debt to credit bureaus, and lenders may not use medical debt information to judge creditworthiness. Maryland's security freeze law, Commercial Law 14-1212.1, requires bureaus to place a freeze within three business days. Maryland also limits employer credit checks under the Job Applicant Fairness Act.

Maryland has one federal district. FCRA lawsuits by Maryland residents are usually filed in the U.S. District Court for the District of Maryland, which sits in Baltimore and Greenbelt. A case may include federal FCRA claims and, depending on the facts, claims under Maryland law.

Where Maryland FCRA cases are filed

FCRA claims are federal, so they go to a United States District Court. Cases from Maryland are heard in one federal district:

District of MarylandCourthouses: Baltimore, Greenbelt.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.

Maryland laws that add to the FCRA

Fair Medical Debt Reporting Act (Md. Code Ann., Com. Law § 14-1213; Health-Gen. §§ 24-2501, 24-2502 (2025 Md. Laws ch. 121))
Effective October 1, 2025, consumer reporting agencies may not furnish or maintain adverse information related to medical debt, medical providers may not report medical debt to credit bureaus, and lenders may not use medical debt information to decide creditworthiness. Read it
Security freeze (Md. Code Ann., Com. Law § 14-1212.1)
Lets Maryland consumers freeze their credit report so it cannot be released without their authorization. The bureau must place the freeze within three business days. Read it
Maryland Consumer Credit Reporting Agencies Act (Md. Code Ann., Com. Law § 14-1201 et seq.)
Maryland's own credit reporting law. It gives residents a free report every 12 months and requires reinvestigation of written disputes within 30 days, with deletion of inaccurate or unverifiable information. Read it
Job Applicant Fairness Act (Md. Code Ann., Lab. & Empl. § 3-711)
Most Maryland employers may not use an applicant's or employee's credit report or credit history to deny employment, fire someone or set pay. Exceptions apply to financial institutions, credit checks required by law, and some positions where the employer has a bona fide, substantially job-related purpose disclosed in writing. 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

Can medical debt still appear on my credit report in Maryland?

Since October 1, 2025, Maryland law bars consumer reporting agencies from furnishing or keeping adverse information related to medical debt. If a medical collection still appears on your report, you can dispute it with the bureau and complain to the Maryland Office of Financial Regulation.

Do Maryland residents get extra free credit reports?

Maryland law gives residents a free copy of their credit report once every 12 months, and a bureau may charge up to $5 for more in that period. Federal law separately lets everyone get free reports from Equifax, Experian and TransUnion, which currently offer them weekly through AnnualCreditReport.com.

Can a Maryland employer check my credit?

Under the Job Applicant Fairness Act, most Maryland employers may not use credit history to deny a job, fire you or set pay. Exceptions include financial institutions, checks required by law, and certain jobs where the employer has a bona fide, substantially job-related reason disclosed in writing.

How long do I have to file an FCRA lawsuit in Maryland?

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

Updated November 2026. This page is general information, not legal advice.