The Fair Credit Reporting Act Firm
The Fair Credit Reporting Act is far more than credit repair. It governs how your personal data is collected, shared, and used — and it gives you the right to fight back when it's mishandled. Fierce Law litigates the entire statute.
Beyond Credit Repair
Most people meet the Fair Credit Reporting Act through a wrong credit score. But the statute reaches every "consumer report" — the files that banks, landlords, insurers, and employers pull to make decisions about your life.
It sets strict rules for the agencies that compile those reports, the companies that supply the underlying data, and anyone who pulls a report on you. When they cut corners, the law provides real remedies — and that is the work we do.
Our Core Practice
We don't dabble in the FCRA — we live in it. From the three nationwide bureaus down to niche specialty agencies and the businesses that furnish your data, we pursue every type of violation the statute reaches.
The FCRA touches credit, employment, housing, insurance, and identity. Whatever the report, the same principles apply: accuracy, accountability, and your right to be made whole.
Errors the bureaus fail to fix after a proper dispute — wrong balances, accounts that aren't yours, outdated or re-aged debts.
Another person's data — or a thief's — merged into your file, and the agency's failure to separate and correct it.
Faulty or unauthorized employment reports, missing disclosures, and adverse-action failures that cost you a job.
Someone pulled your report without a lawful reason or your consent — an invasion the FCRA treats seriously.
The banks, lenders, and collectors that report your data have duties too — and are liable when they report falsely.
Rental-screening, insurance, check-verification, and other specialty consumer reports are covered by the same rules.
How We Work
FCRA cases are won on process and proof. We build yours methodically, so that whether it resolves in settlement or at trial, the record is ready.
We establish a clean paper trail — proper disputes, preserved reports, and the agency's response (or silence).
We trace the error to its source, identify every liable party, and determine whether conduct was willful or negligent.
Actual damages, statutory damages, and — where the law allows — punitive damages and attorney's fees.
Settlement-smart when it serves you, trial-ready when it doesn't. Your leverage stays high either way.
Additional Counsel
FCRA litigation is our focus, but our clients face other legal needs — and they keep coming back because we handle those with the same rigor.
For businesses that pull consumer reports or furnish data, FCRA compliance is a constant exposure. We review your screening practices, disclosure forms, adverse-action procedures, and data-furnishing workflows, then deliver clear, prioritized guidance to close the gaps before they become lawsuits.
When negligence or wrongful conduct causes real harm, we pursue fair recovery. Our tort practice brings the same evidence-driven approach we use in FCRA work — building the factual record, framing the damages, and pressing the claim through negotiation or trial.
Not every dispute belongs in court. As mediators and as counsel in mediation, we help parties reach durable resolutions efficiently — controlling cost, preserving relationships, and keeping the outcome in the parties' own hands rather than a judge's.
From formation through growth, businesses face a steady stream of legal and operational decisions. We provide practical, ongoing counsel on governance, contracts, risk management, and the day-to-day questions that keep small problems from becoming large ones.
Ready When You Are
Get a confidential, no-obligation review of your situation. We'll tell you honestly whether you have a case and how we can help.
Start Your Free Consultation