Philadelphia Fair Credit Reporting Attorneys
Have you been denied a job, housing, or credit in Philadelphia due to inaccurate information on your credit or background report? If so, you may be a victim of a Fair Credit Reporting Act (FCRA) violation — and you don’t have to handle it alone.
At FCRA Attorneys, we help Philadelphia residents fix errors on their credit and background check reports and recover compensation when their rights are violated. We don’t just correct mistakes — we hold the credit bureaus, background check companies, and data furnishers accountable.
Whether you live in Center City, West Philly, North Philadelphia, South Philly, or the suburbs, our FCRA attorneys are ready to help.
WE CAN GET YOU COMPENSATION
FREE CASE EVALUATION
(888) 498-9533
What Is the Fair Credit Reporting Act?
The FCRA is a federal law that regulates how companies collect, use, and share your personal credit and background information. It applies to credit bureaus like Equifax, Experian, and TransUnion, as well as background screening companies like Checkr, HireRight, and First Advantage.
The law protects you by granting the following rights:
- To access your credit and background reports
- To dispute any inaccurate or incomplete information
- To have errors investigated and corrected within 30 days
- To block identity theft accounts with proper documentation
- To be notified if a report is used to deny you
- To sue for damages if your rights are violated
If your dispute was ignored, your data was shared illegally, or you lost an opportunity because of an error, you may be entitled to compensation.
Why These Errors Are So Common in Philly
Philadelphia is a major city with a large population, high renter demand, and a competitive job market. With millions of people passing through the system, credit and background reporting mistakes are extremely common.
Some of the most frequent violations we see in the Philly area include:
- Apartment application denials due to outdated criminal records
- Job offers revoked after false background checks
- Denials of credit due to mixed files with similar names
- Identity theft accounts reported and not removed
- Failure to properly investigate disputes
These problems can happen whether you live in Fishtown, West Philly, Northeast Philly, or the Main Line. The good news? You have legal options — and we’ll help you enforce them.
Common FCRA Violations We Handle
Our Philadelphia FCRA lawyers handle a wide range of credit and background reporting cases. Here are some of the most common problems we fix:
1. Mixed Files
When your report contains someone else’s data due to a similar name or Social Security number — including debt, criminal records, or public records.
2. False Criminal Records
If background checks show expunged charges, sealed records, or completely false criminal cases, it can cost you employment or housing.
3. Duplicate or Re-aged Debt
Old debts are re-listed as new, or one debt appears multiple times, making your credit look worse than it is.
4. Failure to Correct Disputed Information
If a bureau or data furnisher ignores your dispute or fails to reasonably investigate, they are violating federal law.
5. Identity Theft Accounts
When you report identity theft and provide documentation, credit bureaus must block the fraudulent accounts — but they often don’t.
6. Unauthorized Inquiries
A company pulls your credit report without your consent or for an invalid reason.
The Real-World Impact in Philadelphia
These errors aren’t just frustrating — they’re life-altering. We’ve seen clients in the Philadelphia area suffer:
- Lost job opportunities due to false background information
- Rejected apartment applications in South Philly or Old City
- Mortgage and car loan denials based on inaccurate credit data
- Reputational damage and emotional stress
- Higher interest rates due to misreported late payments
These are serious harms — and under the FCRA, they’re compensable.
What You Can Recover Under the FCRA
If your rights have been violated, you may be entitled to:
- Statutory damages (up to $1,000 per violation)
- Actual damages (lost wages, emotional distress, denied credit)
- Punitive damages for willful violations
- Attorneys’ fees and costs, paid by the defendant
At FCRA Attorneys, we pursue maximum compensation — and you pay nothing unless we win.
Why Choose FCRA Attorneys?
We are a national consumer protection law firm focused solely on credit reporting and background check violations. Our team files lawsuits in Pennsylvania’s federal courts, including the Eastern District of Pennsylvania (Philadelphia), and we’re not afraid to take on major corporations.
Here’s what sets us apart:
✅ Free Consultations
We’ll review your case and give you honest legal guidance — no cost, no pressure.
✅ No Fees Unless We Win
You pay nothing upfront. If we recover money, the law requires the other side to cover your legal fees.
✅ Experienced Federal Litigators
We sue credit bureaus, data furnishers, and background check companies — and we win.
✅ Personalized Legal Service
You’ll work directly with a lawyer who knows FCRA law inside and out.
✅ Local Insight, National Strength
We understand how credit and background reporting issues affect Philly residents — and how to fix them.
What To Do If You See a Report Error
- Get Your Credit Reports
Visit AnnualCreditReport.com to request your reports from Equifax, Experian, and TransUnion. - Request a Background Report
If you were denied a job or apartment, request a copy of the background check used. - Review for Mistakes
Look for incorrect personal information, false criminal records, unfamiliar accounts, or outdated debts. - Gather Documentation
Save letters, emails, rejection notices, police reports, court records, and any dispute responses. - Call FCRA Attorneys
If your report was inaccurate or your dispute was ignored — contact us. We’ll take it from there.
Areas We Serve in Greater Philadelphia
We help clients throughout the city and surrounding areas, including:
- Center City
- South Philly
- North Philadelphia
- West Philadelphia
- Northeast Philly
- Delaware County (Upper Darby, Yeadon, Drexel Hill)
- Montgomery County (Norristown, Cheltenham, Abington)
- Bucks County
- Camden & South Jersey suburbs
Whether you’re in the city or the suburbs, we offer free consultations and remote service.
FAQs About Credit & Background Check Errors
Q: Can I still sue if the report was eventually corrected?
A: Yes — if the error caused harm before it was fixed, such as a job loss or credit denial, you may still recover damages.
Q: What if I haven’t filed a dispute yet?
A: No problem — we can help you file one correctly or step in if a prior dispute was ignored.
Q: Can you help with tenant screening errors?
A: Absolutely. If a landlord denied you based on a false or outdated rental report, you may have a strong case.
Q: What’s the deadline to sue under the FCRA?
A: You generally have 2 years from when you discover the violation, or 5 years from when it occurred — whichever comes first.
Contact a Philadelphia FCRA Attorney Today
You don’t have to accept inaccurate reports or unfair treatment. Let FCRA Attorneys help you fix the problem and fight for the compensation you deserve.
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.