Credit Report Error Lawsuits in Michigan

Michigan does not have its own general credit reporting statute. For most credit report problems, the federal Fair Credit Reporting Act sets the rules. That law requires credit bureaus to use reasonable procedures for accuracy, to investigate disputes, and to delete information they cannot verify. Lenders, collectors and servicers that report to the bureaus have their own duty to investigate when a bureau forwards your dispute.

Where Michigan law does add something is the security freeze. The Security Freeze Act, 2013 Public Act 229, sets out how a Michigan consumer can freeze a credit report, temporarily lift the freeze for a specific person or time period, and remove it. The act also has a separate article for protected consumers, such as minors and people under guardianship, so a parent or representative can freeze a child's file before credit fraud happens. Under federal law, placing and lifting a freeze is now free at the nationwide bureaus.

Because Michigan relies so heavily on the federal law, most credit reporting claims by Michigan residents are FCRA claims. They are filed in one of the state's two federal districts. The Eastern District of Michigan covers Detroit and the eastern Lower Peninsula, with courthouses in Detroit, Ann Arbor, Bay City, Flint and Port Huron. The Western District of Michigan covers the western Lower Peninsula and the Upper Peninsula, with courthouses in Grand Rapids, Kalamazoo, Lansing and Marquette. The FCRA allows actual damages, statutory and punitive damages for willful violations, and attorney's fees.

Where Michigan FCRA cases are filed

FCRA claims are federal, so they go to a United States District Court. Cases from Michigan are heard in 2 federal districts:

Eastern District of MichiganCourthouses: Detroit, Ann Arbor, Bay City, Flint, Port Huron.Our attorneys are admitted here
Western District of MichiganCourthouses: Grand Rapids, Kalamazoo, Lansing, Marquette.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.

Michigan laws that add to the FCRA

Michigan Security Freeze Act (2013 Mich. Pub. Act 229, MCL 445.2511 et seq.)
Lets Michigan consumers place, temporarily lift and remove a security freeze on their credit reports, with written confirmation from the bureau. A separate article allows freezes for protected consumers such as minors and incapacitated persons. 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 Michigan have its own credit reporting law?

Michigan does not have a general state credit reporting act like some states do. Credit report accuracy and dispute rights for Michigan residents come mainly from the federal Fair Credit Reporting Act. Michigan does have a Security Freeze Act that covers freezes, including freezes for minors.

Can I freeze my child's credit report in Michigan?

Yes. Michigan's Security Freeze Act has a separate article for protected consumers, which includes minors and incapacitated persons. A parent or legal representative can ask a bureau to create and freeze a file for the child, which can make it harder for an identity thief to open accounts in the child's name.

Where is an FCRA case filed if I live in Michigan?

An FCRA case can be filed in federal court in the Eastern or Western District of Michigan, depending largely on where you live and where the events happened. FCRA claims can also be brought in state court, though many are filed in federal court.

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

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.