Credit Report Error Lawsuits in Utah

Utah does not have a complete state version of the Fair Credit Reporting Act. The federal FCRA is the main law for credit report errors. It requires credit bureaus to use reasonable procedures for accuracy. It requires bureaus and the lenders, collectors and servicers that report to them to investigate disputes. A consumer can sue for actual damages, and for statutory and punitive damages when a violation is willful.

Utah does add a rule that few states have. Under Utah Code 70C-7-107, a creditor, or an agent that collects for it, must give written notice to a person no later than 30 days after it sends a negative credit report about that person to a credit bureau. The notice can be part of a billing statement or default notice. A creditor that fails to give notice can owe actual damages and attorney's fees, and punitive damages of up to twice actual damages for a willful violation. A creditor can avoid liability by showing it had reasonable procedures to comply. Utah's Consumer Credit Protection Act also covers security freezes. Under Utah Code 13-45-201, a bureau must place a freeze within 24 hours of a phone or online request, or within 15 minutes through a mobile app.

Neither law fixes an inaccurate report by itself. Wrong balances, accounts that belong to someone else, and debts shown as unpaid after they were paid or discharged are still disputed under the FCRA. Utah has one federal court for these claims, the U.S. District Court for the District of Utah. It holds court in Salt Lake City and St. George.

Where Utah FCRA cases are filed

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

District of UtahCourthouses: Salt Lake City, St. George.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.

Utah laws that add to the FCRA

Notice of Negative Credit Report (Utah Code 70C-7-107)
Requires a creditor or its collection agent to give written notice no later than 30 days after submitting a negative credit report about a person. A creditor that fails to do so can be liable for actual damages and attorney's fees, and up to twice actual damages as punitive damages if willful, unless it shows reasonable procedures to comply. Read it
Security Freeze (Utah Code 13-45-201)
Requires a credit bureau to place a security freeze within 24 hours of a phone or online request, within 15 minutes through a mobile app, or within five business days of a mailed request. 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 a Utah creditor have to tell me before reporting me late?

Utah Code 70C-7-107 requires a creditor or its collector to give you written notice no later than 30 days after it submits a negative credit report about you. The notice can be in a billing statement or default letter. If the creditor fails to give notice, you may be able to recover actual damages and attorney's fees.

How fast must a credit bureau freeze my file in Utah?

Under Utah Code 13-45-201, a bureau must place a freeze within 24 hours of a phone or online request and within 15 minutes when requested through a mobile app. Mailed requests must be handled within five business days. Federal law also makes freezes free.

Where are FCRA lawsuits filed in Utah?

A federal FCRA case from Utah can be filed in the U.S. District Court for the District of Utah, which sits in Salt Lake City and St. George. FCRA claims can also be brought in Utah state court. The deadline is generally two years after you discover the violation and no more than five years after it occurs.

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

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.