How to Sue Credit Bureaus for Inaccurate Reporting

How to Sue Credit Bureaus for Inaccurate Reporting | Credit1Solutions Expert Guide

Is inaccurate credit reporting hurting your score? You CAN sue credit bureaus for failing to fix mistakes!

The Fair Credit Reporting Act (FCRA) gives you the right to dispute credit errors—and if the bureaus don’t correct them, you can sue them for damages! Thousands of consumers win lawsuits every year against Experian, Equifax, and TransUnion for failing to correct false information.

Below, we break down when, how, and why to sue credit bureaus, how much you can recover, and what legal steps to take. Let’s fight back!

Understanding Your Right to Sue Credit Bureaus

Credit bureaus are legally responsible for ensuring that your credit report is accurate under the FCRA. If they fail to correct errors, they can be sued in federal court.

Common Reasons to Sue a Credit Bureau

🔴 False information not removed after a dispute
🔴 Mixed credit files (another person’s debt on your report!)
🔴 Identity theft accounts still appearing after reporting them
🔴 Duplicate negative accounts lowering your score unfairly
🔴 Failure to respond to disputes within 30 days
🔴 Wrongful re-reporting of previously removed accounts
🔴 Reinsertion of deleted negative items without notice

If any of these have happened to you, you may be eligible for compensation!

Legal Steps to Sue a Credit Bureau (Step-by-Step)

1️. Dispute the Inaccuracy First (FCRA Rule)

The FCRA requires that you first dispute credit errors before filing a lawsuit. If the bureau doesn’t correct the mistake, you can sue for negligence or willful misconduct.

✔ Obtain your credit reports at AnnualCreditReport.com
✔ Send a formal dispute letter to the bureaus (certified mail, return receipt)
✔ Wait for their response (they have 30 days to investigate)
✔ Check if they corrected the issue—if not, escalate to legal action!

2️. File a Complaint with the Consumer Financial Protection Bureau (CFPB)

If the credit bureaus fail to fix the issue, file a formal complaint with the CFPB. This creates a legal record of your dispute before you sue.

File a CFPB Complaint Here

Bureaus often respond to CFPB complaints within 15-30 days. If they still refuse to fix the problem, move on to step 3!

3️. Sue the Credit Bureau in Federal Court

If the credit bureaus fail to correct errors, you have the right to sue them under the FCRA (15 U.S.C. § 1681n and § 1681o).

✅ What You Can Sue For:

Negligent noncompliance(not investigating your dispute properly)
Willful noncompliance(knowingly reporting false info)
Failure to correct or delete inaccurate data
Emotional distress caused by wrongful credit damage

Compensation You Can Receive:
✔ Up to $1,000 per FCRA violation
✔ Punitive damages (if they intentionally harmed you)
✔ Attorney’s fees and court costs covered

📢 Want help suing? Call 877-782-7839 to start your case today!