FCRA Violations

Credit repair companies often charge monthly fees to send generic letters that bureaus easily ignore. As attorneys, we use the power of federal law to demand compliance. We don’t charge you monthly fees; we make the credit bureaus pay for their mistakes.

While every case is different, many FCRA cases are resolved through settlement within 6 to 12 months. We strive to resolve your case as efficiently as possible while ensuring you receive the compensation you deserve.

A “willful” violation means the company knew the law (or acted recklessly) and violated it anyway. For example, if you provided clear proof of payment, but the bureau ignored it and kept reporting the debt as unpaid, that may be willful. Willful violations often allow for higher damages.

Yes. Background check companies are subject to the FCRA. If you lost a job opportunity because a background check company reported inaccurate criminal history or employment data, you may be entitled to significant damages.

You can file an initial dispute yourself, but if the credit bureau ignores you or “verifies” the false information, you need a lawyer. Cannon Legal PLLC guides you on how to structure your dispute to create a solid paper trail for a future lawsuit.

Violations often happen when bureaus fail to ensure “maximum possible accuracy.” Common examples include:

• Mixed Files: Merging your credit history with someone else’s.
• Identity Theft: Failing to remove fraudulent accounts after you report them.
• Outdated Information: Reporting negative debts older than 7 years (or bankruptcies older than 10).
• Background Check Errors: inaccurately reporting criminal records that don’t belong to you.
• Deceased Indicators: Falsely reporting you as deceased.

The FCRA is a federal law that dictates how credit reporting agencies must handle your data. It guarantees your right to accuracy, fairness, and privacy. If a bureau or company violates these rights—for example, by reporting false information—you have the right to sue.