Los Angeles Credit Reporting Attorneys
Have you been denied a job, apartment, or loan in Los Angeles due to inaccurate information on your credit report or background check? You’re not alone — and you may have a legal claim under the Fair Credit Reporting Act (FCRA).
At FCRA Attorneys, we help people across Los Angeles and Southern California fix credit reporting errors, dispute false background checks, and recover compensation when their rights are violated. Whether it’s identity theft, outdated criminal records, or false accounts, we take action — and we win.
We’re not a credit repair company. We’re federal consumer protection lawyers focused exclusively on FCRA litigation. If your reputation, credit score, or future has been damaged, let our Los Angeles FCRA attorneys help you get justice.
WE CAN GET YOU COMPENSATION
FREE CASE EVALUATION
(888) 498-9533
Why Credit & Background Check Errors Are Common in LA
Los Angeles County is the most populous county in the U.S., with over 10 million residents. With so many people sharing similar names, Social Security number patterns, or addresses, credit and background report errors are especially common in L.A. These mistakes often result in:
- Loan and mortgage denials
- Apartment application rejections
- Lost job offers after background checks
- Security clearance complications
- High interest rates due to lower credit scores
- Identity theft not being resolved
If any of this sounds familiar, you may be entitled to financial compensation — and we can help.
Your Rights Under the Fair Credit Reporting Act (FCRA)
The FCRA is a federal law that gives you powerful rights as a consumer:
✅ The right to access your reports from credit bureaus and background check companies
✅ The right to dispute inaccuracies in writing
✅ The right to a timely investigation and correction within 30 days
✅ The right to be notified if a report is used to deny you
✅ The right to block identity theft accounts with proper documentation
✅ The right to sue for compensation if your rights are violated
Our Los Angeles FCRA lawyers use these rights — and more — to help consumers clear their names and protect their future.
Common FCRA Violations in Los Angeles
We see repeated patterns of FCRA violations across Los Angeles and Southern California. Some of the most common include:
1. Mixed Credit or Criminal Files
Someone else’s accounts, criminal history, or public records appear on your report due to similar name or Social Security number.
2. Outdated Public Records
Old bankruptcies, judgments, liens, or criminal charges remain on your report — even after they’ve been dismissed, settled, or expunged.
3. Employment Background Check Errors
You’re denied a job based on inaccurate or incomplete information in a background report — including charges that were dismissed or records that were sealed.
4. Failure to Investigate Disputes
You sent a written dispute, and the credit bureau or background screener failed to conduct a reasonable investigation or verify the data.
5. Reporting Identity Theft Accounts
Even after submitting a police report and ID theft affidavit, the credit bureaus refused to block fraudulent accounts from your file.
6. Duplicate or Re-aged Debt
A paid or closed account is listed twice or reset to look more recent — which is both deceptive and illegal.
Real-Life Impact of FCRA Violations
These reporting errors aren’t just annoying — they can change the course of your life:
- A missed job opportunity due to a false background check
- A denied apartment lease due to someone else’s criminal record
- A rejected home loan due to a misreported debt
- Emotional stress, frustration, and financial hardship
You don’t have to accept this. FCRA Attorneys helps people in Los Angeles turn these injustices into results.
What You Can Recover in an FCRA Case
Under federal law, you may be entitled to:
- Statutory damages (up to $1,000 per violation)
- Actual damages (lost income, credit denials, emotional distress)
- Punitive damages for willful violations
- Legal fees and costs — paid by the defendant, not you
If you’ve been harmed by inaccurate reporting, we’ll fight for full compensation.
Why Choose FCRA Attorneys in Los Angeles?
We are a national consumer law firm focused entirely on FCRA violations — and we have deep experience in California’s federal courts, including the Central District of California which covers Los Angeles.
Here’s what sets us apart:
✔ Free Case Review
We evaluate your reports and dispute history at no cost.
✔ No Fees Unless We Win
We work on a contingency basis — you don’t pay unless we recover money for you.
✔ We Know the Credit Bureaus’ Tactics
We regularly sue Experian (based in Orange County), Equifax, TransUnion, and background check companies who violate the law.
✔ Personalized Service
You’ll work with an actual attorney — not just a case manager or call center.
✔ Fast, Federal Representation
We file FCRA lawsuits quickly and aggressively in Los Angeles federal courts and get results.
What To Do If You Discover a Credit or Background Error
- Request Your Reports
Get your credit reports at AnnualCreditReport.com
Ask the employer or landlord for a copy of the background report they used - Review for Mistakes
Check for criminal records, duplicate accounts, outdated debts, or any information that doesn’t belong to you - Gather Documentation
Keep rejection letters, police reports, court records, ID, and dispute letters - Call FCRA Attorneys
If you’ve already suffered harm — or your report wasn’t fixed — we’re ready to help
Areas We Serve in Greater Los Angeles
We help clients across LA County and Southern California, including:
- Los Angeles (Downtown, West LA, Eastside, South LA)
- Long Beach
- Santa Monica
- Pasadena
- Burbank & Glendale
- Inglewood
- Torrance & the South Bay
- San Fernando Valley (Van Nuys, North Hollywood, Encino)
- Orange County (Anaheim, Irvine, Santa Ana)
- Riverside & San Bernardino Counties
No matter where you live in SoCal, we offer free consultations and remote service.
Frequently Asked Questions
Q: Can I sue even if the report was corrected?
A: Yes. If the false report caused harm before it was corrected — like a job or apartment denial — you may still be entitled to compensation.
Q: What if the employer or landlord didn’t give me a copy of the report?
A: That’s a violation. You are legally entitled to a copy of the report and a notice of your rights if it was used to deny you.
Q: Is there a deadline to sue?
A: Yes. You typically have 2 years from the date you discover the violation, and no more than 5 years from the actual violation.
Q: What makes FCRA Attorneys different from credit repair companies?
A: We are licensed attorneys who file lawsuits under federal law. Credit repair companies can only send letters — they cannot take legal action or recover damages.
Speak with a Los Angeles FCRA Attorney Today
If you’ve suffered because of errors in your credit report or background check — don’t wait. You have rights under federal law, and our legal team is here to enforce them.
WE CAN GET YOU COMPENSATION
FREE CASE EVALUATION
(888) 498-9533
Disclaimer: FCRA Attorneys handles federal Fair Credit Reporting Act (FCRA) cases exclusively in United States District Courts. Our attorneys may or may not be licensed in the state courts of this jurisdiction and do not handle any state-law matters.
Legal services in this state may be provided by an attorney who is licensed in this state and/or admitted to practice before the United States District Courts located in this state. That attorney will be responsible for all legal services provided to clients in this jurisdiction.
Attorney Advertising: Prior results do not guarantee a similar outcome.