Riverside, San Bernardino & Ontario Credit Report Errors Lawyers
If you’ve been denied a job, rental housing, or a loan in Riverside, San Bernardino, or Ontario due to inaccurate information on your credit or background report, you’re not alone — and you may have a legal claim under the Fair Credit Reporting Act (FCRA).
At FCRA Attorneys, we help Inland Empire residents fix harmful reporting errors and sue the credit bureaus and background check companies responsible. Whether you’re a teacher in Riverside, a truck driver in San Bernardino, or a nurse in Ontario, if a false report has hurt your future — we’ll fight to make it right.
What Is the Fair Credit Reporting Act?
The Fair Credit Reporting Act (FCRA) is a federal law that governs how companies collect, report, and share your credit, employment, and background data. It protects your personal information from being inaccurately reported, misused, or ignored when disputed.
Under the FCRA, you have the right to:
- Access your credit and background reports
- Dispute any inaccurate or incomplete information
- Have errors investigated and corrected within 30 days
- Be notified if a report was used to deny you
- Block fraudulent identity theft accounts with proper documentation
- File a lawsuit for damages when your rights are violated
The FCRA gives you power — and FCRA Attorneys helps you use it.
Why Inland Empire Residents Face Frequent FCRA Violations
The Inland Empire, made up of Riverside and San Bernardino Counties, is one of the fastest-growing regions in California. With a booming population, a large working-class base, and housing challenges, credit and background reports are used constantly by:
- Employers screening for jobs
- Landlords selecting tenants
- Banks and car dealerships issuing loans
- Gig platforms like Uber, Amazon Flex, and Lyft
Unfortunately, these reports are often inaccurate, outdated, or mixed with someone else’s data. We’ve helped clients who:
- Were denied apartments in Ontario due to false eviction records
- Lost jobs in San Bernardino after background checks showed the wrong criminal record
- Had loan applications rejected in Riverside because of identity theft
- Found duplicate debt listings or old accounts still hurting their credit
If this has happened to you, you may be entitled to compensation under the law.
Common FCRA Violations We Handle
Our FCRA attorneys represent clients across the Inland Empire in cases involving:
1. Mixed or Merged Files
This happens when the credit or background report contains someone else’s information due to a similar name or SSN. It can include accounts, criminal charges, or evictions that aren’t yours.
2. Inaccurate Background Checks
Employers and landlords rely on third-party screening companies like Checkr or HireRight. These companies often report dismissed, sealed, or expunged criminal records, costing you housing or employment.
3. Identity Theft
If fraudulent accounts appear on your credit report and the bureaus fail to correct them after you submit police reports and affidavits, that’s an FCRA violation.
4. Duplicate or Re-aged Debt
Debt collectors may list the same account multiple times or re-age it so it looks newer and hurts your credit score more than it should.
5. Failure to Investigate Disputes
If you file a proper dispute and the credit bureau or background screener fails to properly investigate and fix the error, you may be able to sue.
6. Unauthorized or Improper Use
If a company pulls your credit without a valid purpose or uses your report to deny you without providing the proper disclosures, that’s also a violation.
How These Errors Hurt Inland Empire Residents
The cost of a report error can be life-changing in a region like Riverside-San Bernardino, where housing demand is high, jobs are competitive, and credit affects everything.
We’ve seen clients suffer:
- Lost jobs in healthcare, logistics, education, and public safety
- Rental denials in Ontario and Moreno Valley due to old or false eviction records
- Rejected car and mortgage loans in San Bernardino due to incorrect debt listings
- Emotional distress, missed opportunities, and financial loss
- Gig work deactivation from Uber, Amazon, or Lyft based on bad background reports
These are real harms — and we can help you fight back.
What Compensation Can You Recover?
The FCRA allows for real financial recovery when your rights are violated.
You may be entitled to:
- Statutory damages (up to $1,000 per violation)
- Actual damages (for job loss, denied credit, emotional harm)
- Punitive damages (for willful misconduct)
- Attorney’s fees and court costs, paid by the other side
At FCRA Attorneys, we handle your case at no cost to you unless we win.
Why Choose FCRA Attorneys?
We’re not a credit repair company. We are a nationwide law firm focused exclusively on FCRA cases. We file lawsuits in California federal courts and hold credit bureaus and background check companies accountable.
Here’s what sets us apart:
✅ Free Consultations – We evaluate your case at no charge
✅ No Upfront Fees – We only get paid if we win your case
✅ Focused Experience – We know FCRA law and we use it daily
✅ Federal Court Representation – We file in the U.S. District Court for the Central District of California
✅ Personal Service – You’ll work directly with an FCRA attorney, not a call center
What To Do If You Spot an Error
If you’ve been harmed by a credit or background report error, here’s what to do:
Step 1: Request Your Credit Reports
Go to AnnualCreditReport.com and download your free reports from Equifax, Experian, and TransUnion.
Step 2: Ask for Your Background Report
If you were denied a job or rental, ask the employer or landlord for the name of the background company (e.g., Checkr, HireRight) and request a copy.
Step 3: Dispute the Error
Send a written dispute with documentation to the credit bureau or background check company.
Step 4: Save Everything
Keep a copy of your reports, letters, emails, and any documentation like rejection letters, police reports (for ID theft), or court records.
Step 5: Contact FCRA Attorneys
We’ll review your case and if we believe your rights were violated, we’ll file a lawsuit at no cost to you.
Areas We Serve in the Inland Empire
We represent clients throughout:
- Riverside – Downtown, Arlington, Wood Streets, La Sierra
- San Bernardino – Arrowhead, Del Rosa, Muscoy, Highland
- Ontario – Downtown, Creekside, Ontario Ranch
- Corona, Redlands, Moreno Valley, Fontana, Rancho Cucamonga
- Victorville, Hesperia, and surrounding High Desert areas
No matter where you’re located in Riverside or San Bernardino County, we’re here to help — and we offer remote consultations.
FAQs – FCRA Attorneys in Riverside, San Bernardino & Ontario
Q: What if the report was eventually corrected?
A: If you suffered harm before the correction (job loss, emotional distress, rental denial), you may still have a strong FCRA case.
Q: Do I have to pay you anything upfront?
A: No. We only get paid if we win your case. The law makes the defendant cover your legal fees if we succeed.
Q: Can I still sue if I haven’t disputed yet?
A: You should dispute first — and we can help. If the dispute fails or is mishandled, that’s often where your case becomes actionable.
Q: Where will my lawsuit be filed?
A: We file cases in the U.S. District Court for the Central District of California, which covers all of Riverside, San Bernardino, and Ontario.
Call an Inland Empire FCRA Attorney Today
You don’t have to live with the consequences of someone else’s mistake. Let FCRA Attorneys fix the problem, protect your rights, 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.