Credit report errorsA bureau won't fix your reportWrong balances, accounts that aren't yours, paid debts showing as owed, and disputes answered with a form letter.Mixed filesYour file is mixed with a stranger'sSomeone else's debts, addresses, or criminal record on your report, often a relative or someone with a similar name or SSN.Deceased indicatorYou've been reported deadA single false code freezes your credit entirely. These are among the most serious, and most valuable, FCRA cases.Employment screeningA background check cost you the jobRecords that aren't yours, dismissed or sealed charges, or old items reported past the legal limit.Tenant screeningA screening report cost you the apartmentFalse evictions, someone else's criminal history, or debts that were never yours, sold to landlords as fact.Identity theftFraud accounts are wrecking your creditYou reported the fraud and blocked it, and the bureaus and creditors kept reporting it anyway.
Who we sue
The three nationwide credit bureaus, employment background check companies, tenant screening companies, and the banks, lenders and collectors that furnish bad data to them. See our lawsuit guides by company, including Equifax, Experian, TransUnion, Innovis and more.
What every case has in common
The Fair Credit Reporting Act requires reporting companies to use reasonable procedures to make reports as accurate as possible, and to genuinely reinvestigate when you dispute. When they don't, and you're harmed, you can recover actual damages, statutory damages for willful violations, punitive damages, and your attorney's fees. That fee-shifting is why our clients pay nothing out of pocket.