Fair Credit Reporting Act
The Fair Credit Reporting Act gives you powerful rights when your data is reported inaccurately or accessed unlawfully. Here's what we pursue, how the process works, and why holding these companies accountable can cost you nothing out of pocket.
What the FCRA Protects
The FCRA governs every "consumer report" used to judge you — credit, employment background checks, tenant screening, insurance, and more. It requires that those reports be accurate, that disputes be properly investigated, and that only people with a lawful reason may access your file.
When a credit bureau, a data furnisher, or anyone who pulls your report breaks those rules, the law lets you take them to court — and recover damages. Litigation under the FCRA is rising sharply as consumers push back against sloppy reporting and failed investigations.
What We Do
The FCRA applies to "any person" who reports or uses your data — bureaus, banks, lenders, collectors, landlords, and employers alike. These are the cases we take.
Wrong balances, accounts that aren't yours, paid debts shown as unpaid, or old debts re-aged to look current — and a bureau that won't fix them.
When you dispute an error, the bureau and the furnisher must conduct a reasonable investigation. A rubber-stamp "verified" is a violation.
Another person's accounts — or a thief's — merged into your file, and the agency's failure to separate and correct your record.
Faulty employment background checks or rental-screening reports, missing disclosures, and adverse actions taken without proper notice.
Someone pulled your credit report without a lawful reason or your authorization — an invasion of privacy the FCRA treats seriously.
Banks, lenders, and debt collectors that supply your data have their own duties under the FCRA — and are liable when they report falsely.
How We Help
FCRA cases are won on process and proof. Here's how we move a matter forward — and what we handle so you don't have to.
You tell us what happened and share your reports and correspondence. We assess whether the law was violated and whether you have a viable claim — at no cost and no obligation.
We establish a clean paper trail: proper written disputes sent to the bureaus and furnishers, preserved copies of your reports, and documentation of every response — or failure to respond — within the FCRA's deadlines.
We trace each error to its source, determine which bureaus, furnishers, or users are responsible, and assess whether the conduct was negligent or willful — which directly affects the damages available.
We pursue correction and compensation. Many matters resolve through negotiation; when a defendant won't do right by you, we file suit and litigate — fully prepared to take the case to trial.
We pursue every category of damages the law allows, plus the correction of your record — so the harm stops and you're made whole.
How We Get Paid
The FCRA is a "fee-shifting" statute. That changes everything about how these cases are paid for, and it's why we can take strong claims with no fee out of your pocket.
Reviewing your situation, pulling apart your reports, and telling you honestly whether you have a case costs you nothing and commits you to nothing.
On qualifying consumer claims we work on contingency. You pay no hourly bills. If we don't recover for you, you owe us no attorney's fee.
Because the FCRA shifts fees, a defendant found liable can be ordered to pay your reasonable attorney's fees and costs on top of your damages. That's how Congress designed the statute — so that ordinary people can hold large institutions accountable without legal bills standing in the way.
What You Can Recover
What's recoverable turns on whether a violation was negligent (careless) or willful (knowing or reckless). The difference can be substantial.
Client Voices
Real results, in their words. (Placeholder testimonials shown — to be replaced with verified client statements.)
I disputed the same error four times and got nowhere. Fierce Law took it on, and I never paid a cent out of pocket. They got it removed and a settlement on top.
A bad background check cost me a job offer. They explained my rights in plain English, handled everything, and held the screening company accountable.
Someone else's debt was on my report for two years. The free review told me I actually had a case. I wish I'd called them sooner.
Professional, responsive, and genuinely on my side. They treated my case like it mattered, and I never felt like just another file.
Common Questions
Yes. Reviewing your situation and telling you whether you have a viable claim is free and carries no obligation. You decide whether to move forward.
The FCRA is a fee-shifting statute, and we take qualifying consumer claims on contingency. You pay no hourly bills. If we recover for you, our fee comes from the recovery (and a liable defendant can be ordered to pay your attorney's fees and costs on top of your damages). If we don't recover, you owe us no attorney's fee.
Copies of your credit reports and any dispute letters or responses are helpful, but not required to start. Bring what you have — we'll guide you through the rest during the free review.
It varies. The dispute investigation period is typically 30 days (up to 45 with new information). If litigation becomes necessary, timelines depend on the defendant and the court. We'll set realistic expectations for your specific situation.
The bureaus don't share investigations, so each must be addressed. We handle disputes and claims against every bureau and furnisher involved in your matter.
Ready When You Are
A confidential, no-obligation review. We'll tell you honestly where you stand and what your options are.
Create a FREE account