{"id":352534,"date":"2022-08-22T15:13:32","date_gmt":"2022-08-22T20:13:32","guid":{"rendered":"https:\/\/content.findlaw-admin.com\/ability-law\/consumer\/credit-banking-finance\/can-i-sue-a-free-credit-score-and-free-credit-report-company.html"},"modified":"2024-01-22T16:26:41","modified_gmt":"2024-01-22T21:26:41","slug":"can-i-sue-a-free-credit-score-and-free-credit-report-company","status":"publish","type":"page","link":"https:\/\/www.findlaw.com\/consumer\/credit-banking-finance\/can-i-sue-a-free-credit-score-and-free-credit-report-company.html","title":{"rendered":"Can I Sue a Free Credit Score and Free Credit Report Company?"},"content":{"rendered":"\n<div class=\"wp-container-core-columns-is-layout-9d6595d7 fl-sectionWithSidebar fl-container fl-flex fl-flex-wrap fl-gap30\">\n<div class=\"fl-page-articles fl-section-main fl-section-main-full-width\"><h1 class=\"fl-no-margin-top\">Can I Sue a Free Credit Score and Free Credit Report Company?<\/h1>\n\n<section class=\"fl-gutenberg-byline\">\n    <div class=\"fl-gutenberg-byline-content\">\n                    By <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/olivia-wathne-jd\/\">Olivia Wathne, J.D.<\/a> | Legally reviewed by <a\n                href=\"https:\/\/www.findlaw.com\/company\/our-team\/melissa-bender-esq\/\">Melissa Bender, Esq.<\/a>\n                | Last updated\n        <time>\n                            January 22, 2024\n                    <\/time>\n    <\/div>\n\n    \n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-legally-reviewed\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Legally Reviewed\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>This article has been written and reviewed for legal accuracy, clarity, and style by <a href=\"https:\/\/www.findlaw.com\/company\/our-team.html\">FindLaw\u2019s team of legal writers and attorneys<\/a> and in accordance with <a href=\"https:\/\/www.findlaw.com\/company\/company-history\/editorial-policy.html\">our editorial standards<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n\n    <details class=\"fl-gutenberg-byline-toggle fl-gutenberg-byline-fast-checked\">\n        <summary>\n            <i class=\"fl-gutenberg-byline-icon\" aria-hidden=\"true\"><\/i>\n            Fact-Checked\n        <\/summary>\n\n        <div class=\"fl-gutenberg-byline-toggle-content\">\n            <p><em>The last updated date refers to the last time this article was reviewed by FindLaw or one of our <a href=\"https:\/\/www.findlaw.com\/company\/our-team\/contributing-authors.html\">contributing authors<\/a>. We make every effort to keep our articles updated. For information regarding a specific legal issue affecting you, please <a href=\"https:\/\/lawyers.findlaw.com\/?fli=bylinelink\" target=\"_blank\" rel=\"noopener\">contact an attorney in your area<\/a>.<\/em><\/p>\n\n        <\/div>\n    <\/details>\n<\/section>\n\n\n<div class=\"fl-key-takeaways fl-mb30\" data-testid=\"fl-key-takeaways\">\n    <div class=\"fl-card-content\">\n        <div class=\"fl-card-body fl-card-bg-teal fl-flex fl-flex-column\">\n                            <h2 class=\"fl-card-title fl-h2 fl-no-margin\">Key Takeaways<\/h2>\n                        <p>You may be able to sue a credit reporting agency if it fails to remove inaccurate information from your credit report. Under the Fair Credit Reporting Act (FCRA), you have the right to challenge incomplete or inaccurate information on your credit report.<\/p>\n\n        <\/div>\n    <\/div>\n<\/div>\n\n\n<p>If you notify a credit reporting agency of an error, they must investigate and correct or delete the inaccurate, incomplete, or unverifiable information. Should they fail to do so, you can sue them for violating the FCRA.<\/p>\n<p>But even if you have a valid claim, credit reporting agencies do not make themselves easy targets for lawsuits. They have vast legal resources and retain some of the best lawyers available. If you do decide to sue one, consider getting legal advice from an experienced <a href=\"https:\/\/lawyers.findlaw.com\/consumer-protection\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">consumer protection attorney<\/a>. An attorney can help assess your claims and advise you on the best course of action.<\/p>\n<h2>What Is a Credit Report?<\/h2>\n<p>Credit reporting agencies, also known as credit bureaus, gather and maintain a consumer&#8217;s financial data and credit history into what&#8217;s called a credit report. Your credit report lists:<\/p>\n<ul>\n<li>Bill payment history<\/li>\n<li>Current types of debt<\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/education\/higher-education\/student-loans-legal-information-you-should-know.html\">Student loans<\/a><\/li>\n<li>Bank and credit card accounts<\/li>\n<li>Tax liens<\/li>\n<li>Other financial information<\/li>\n<li>Where you live<\/li>\n<li>Whether you&#8217;ve been sued or arrested<\/li>\n<li>Whether you&#8217;ve <a href=\"https:\/\/www.findlaw.com\/realestate\/foreclosure\/what-is-foreclosure.html\">faced foreclosure<\/a> or bankruptcy<\/li>\n<\/ul>\n<p>They are essential for managing personal finances.<\/p>\n<p>Credit reports <a href=\"https:\/\/www.findlaw.com\/consumer\/credit-banking-finance\/credit-score-information-how-to-manage-your-credit-score.html\">determine your creditworthiness<\/a>. They help lenders decide whether they will lend you money and what interest rate. They are also used by employers to decide whether to give you a job, insurers to determine your rates, and landlords to decide whether to rent property to you.<\/p>\n<h2>Credit Reporting Agencies<\/h2>\n<p>The three major credit bureaus are TransUnion, Experian, and Equifax. They gather and maintain data relating to a consumer&#8217;s credit use in a credit file. They obtain that data from your creditors and from public sources. Creditors may report to one, two, or all three agencies. The agencies do not share information, so your credit report may vary slightly from agency to agency.<\/p>\n<p>Under federal law, you have the right to obtain a free credit report every twelve months. You can obtain reports from each agency through\u00a0<a href=\"https:\/\/www.annualcreditreport.com\/index.action\" target=\"_blank\" rel=\"noopener\">AnnualCreditReport.com<\/a>. You should read your reports carefully to make sure the identifying and account information is accurate because errors on your report can lower your credit score.<\/p>\n<p>If you believe you have been the victim of <a href=\"https:\/\/www.findlaw.com\/consumer\/online-scams\/identity-theft.html\">identity theft<\/a>, you can contact the three agencies and have them impose a credit freeze. That will prevent anyone posing as you from being able to get new credit. A credit monitoring service such as Credit Karma may be able to provide you with some degree of comfort. Many credit cards also offer credit monitoring services.<\/p>\n<h2>What Does My Credit Score Impact?<\/h2>\n<p>A credit score predicts how likely you are to pay a loan back on time. Credit reporting agencies use a mathematical formula called a scoring model to create your credit score from your credit report. Most credit scores range from 300 to 850. The higher the score, the easier it is to qualify for a loan.<\/p>\n<p>There are many types of credit scores, but the two main ones are:<\/p>\n<ul>\n<li>FICO score (used by most lenders)<\/li>\n<li>VantageScore (developed by TransUnion, Experian, and Equifax)<\/li>\n<\/ul>\n<p>Be wary about relying on free credit scores you can find on the Internet. You want to make sure that the information you get is accurate and up-to-date.<\/p>\n<h2>Credit Reporting Errors<\/h2>\n<p>According to\u00a0<a href=\"https:\/\/www.consumerreports.org\/credit-scores-reports\/consumers-found-errors-in-their-credit-reports-a6996937910\/\" target=\"_blank\" rel=\"noopener\">Consumer Reports<\/a>, more than a third of study participants identified errors in their credit reports. Credit reporting errors can <a href=\"https:\/\/www.findlaw.com\/consumer\/credit-banking-finance\/sample-request-for-credit-report-if-you-have-recently-been-denied.html\">hurt you in many ways<\/a>. You should review your credit reports carefully for inaccurate and incomplete information.<\/p>\n<p>Some common errors in credit reports include:<\/p>\n<ul>\n<li>Identity errors such as\u00a0wrong name, wrong social security number, incorrect accounts due to identity theft, etc.<\/li>\n<li>Incorrect reporting of account status like\u00a0closed accounts reported as open, credit accounts that are incorrectly reported as delinquent, same debt recorded more than once, etc.<\/li>\n<li>Data management errors including the\u00a0reinsertion of incorrect information after it was corrected, accounts that appear multiple times with different creditors or late payments, etc.<\/li>\n<li>Balance errors such as\u00a0accounts with an incorrect current balance or incorrect credit limit<\/li>\n<\/ul>\n<h2>What Should You Do if You Find an Error on Your Credit Report?<\/h2>\n<p>Suppose you apply for a credit card and the credit card issuer denies your application. You get a copy of your credit report, which shows someone with your same name has recently <a href=\"https:\/\/www.findlaw.com\/bankruptcy\/what-is-bankruptcy\/what-happens-when-you-file-for-bankruptcy.html\">declared bankruptcy<\/a> twice. If you find an error on your report, what should you do?<\/p>\n<h3>Contact the Credit Bureau<\/h3>\n<p>The first thing you should do is notify the agency and\u00a0<a href=\"https:\/\/consumer.ftc.gov\/articles\/disputing-errors-your-credit-reports\" target=\"_blank\" rel=\"noopener\">open a dispute<\/a>. Under the FCRA, you have the right,\u00a0<a href=\"https:\/\/www.findlaw.com\/legalblogs\/consumer-protection\/your-rights-when-challenging-your-credit-report\/\">among others<\/a>, to challenge incomplete or inaccurate information on your credit report. If you notify a credit reporting agency of an error, they must investigate your claim,\u00a0typically by checking with your creditors,\u00a0and correct or delete inaccurate, incomplete, or unverifiable information.<\/p>\n<p>You can open a dispute with each agency through the following links:<\/p>\n<ul>\n<li><a href=\"https:\/\/www.transunion.com\/credit-disputes\/dispute-your-credit\" target=\"_blank\" rel=\"noopener\">TransUnion<\/a><\/li>\n<li><a href=\"https:\/\/www.experian.com\/disputes\/main.html\" target=\"_blank\" rel=\"noopener\">Experian<\/a><\/li>\n<li><a href=\"https:\/\/www.equifax.com\/personal\/credit-report-services\/credit-dispute\/\" target=\"_blank\" rel=\"noopener\">Equifax<\/a><\/li>\n<\/ul>\n<p>The agency will contact the\u00a0furnisher\u00a0of the information, often\u00a0a credit card company, a bank or other lender, or a debt collection agency,\u00a0and try to verify the information in their report. In general, they\u00a0have 30 days in which to get back to you with the results of their investigation. If they agree with you, you&#8217;re almost finished. Just ask them to notify anyone who recently got your report of the correction.<\/p>\n<p>Make sure you check your reports with the other agencies, as\u00a0they don&#8217;t always have the same information,\u00a0to make sure any error is fixed there as well.<\/p>\n<h2>What if the Credit Bureau Won&#8217;t Fix Its Mistake?<\/h2>\n<p>If they don&#8217;t correct the error, you can submit your own written statement to tell your side of the story about the data. That statement becomes part of your report.<\/p>\n<p>You can also dispute the error with the furnisher. Send them a letter that:<\/p>\n<ul>\n<li>Notifies them that you are disputing an error<\/li>\n<li>Includes your full name and address<\/li>\n<li>Identifies each bit of inaccurate information you want corrected and why<\/li>\n<li>Includes copies of the documents that support your position<\/li>\n<\/ul>\n<p>The furnisher must notify the credit bureau about the disputed information, and the credit bureau must include a notice that you are disputing it as inaccurate or incomplete. If the furnisher determines that they made an error, they must notify the credit bureau to correct your report.<\/p>\n<h2>File a Complaint<\/h2>\n<p>If those options don&#8217;t work, the\u00a0two bankruptcies will\u00a0stay on your report. If that happens, it&#8217;s time to escalate.<\/p>\n<h3>FTC Complaint<\/h3>\n<p>Your first option is to file a complaint with the Federal Trade Commission (FTC). While the Consumer Financial Protection Bureau (CFPB) regulates credit report agencies, the FTC is responsible for enforcing the\u00a0<a href=\"https:\/\/www.ftc.gov\/system\/files\/documents\/statutes\/fair-credit-reporting-act\/545a_fair-credit-reporting-act-0918.pdf\" target=\"_blank\" rel=\"noopener\">FCRA<\/a>.<\/p>\n<p>The FTC has sued credit reporting agencies, charged debt collectors with providing inaccurate information, and charged users of credit reports for failing to notify consumers when they make negative decisions about them based upon a credit report. You can file a complaint with them at\u00a0<a href=\"https:\/\/reportfraud.ftc.gov\/#\/\" target=\"_blank\" rel=\"noopener\">www.reportfraud.ftc.gov<\/a>.<\/p>\n<h3>State Attorney General<\/h3>\n<p>You can also ask your state&#8217;s attorney general for help. Each state has <a href=\"https:\/\/www.usa.gov\/state-attorney-general\" target=\"_blank\" rel=\"noopener\">its own consumer protection department<\/a> that handles complaints against, among others, consumer reporting agencies. They can help guide you through the process, provide you with information, and hopefully obtain a favorable resolution for you.<\/p>\n<h3>File a Lawsuit<\/h3>\n<p>The third option is to sue the credit reporting agency in state or federal court under the FCRA. Congress enacted the FCRA in 1970 to protect consumers and regulate how credit information is used and disseminated. Credit reporting agencies can violate the FCRA in any number of ways:<\/p>\n<ul>\n<li>By failing to maintain accurate, updated reports<\/li>\n<li>By mixing up one person&#8217;s information with another&#8217;s<\/li>\n<li>By failing to follow the rules for handling disputes<\/li>\n<li>By providing information to unauthorized users<\/li>\n<li>By providing your report for an impermissible purpose, such as to\u00a0determine if you have assets before someone sues you<\/li>\n<li>By failing to send you notifications about your credit report or score<\/li>\n<\/ul>\n<p>What you can recover in a lawsuit depends on the nature of the FCRA violation. If you go this route, you will want a <a href=\"https:\/\/lawyers.findlaw.com\/consumer-protection\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">consumer protection attorney<\/a> to help you.<\/p>\n<h3>Willful Violation<\/h3>\n<p>Willful FCRA violations are the more serious violations. For a violation to be willful, a credit reporting agency must knowingly or recklessly take action that violates the FCRA and causes you harm. A consumer can recover the following damages for willful FCRA violations:<\/p>\n<ul>\n<li>Actual damages (financial losses that can be proved)<\/li>\n<li>Statutory damages (damages that don&#8217;t require proof, but the compensation is limited to between $100 and $1,000)<\/li>\n<li>Punitive damages (money intended to punish a wrongdoer for outrageous behavior and deter them from violating the FCRA again)<\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/litigation\/filing-a-lawsuit\/attorney-fees-and-costs.html\">Court costs<\/a><\/li>\n<li>Attorney&#8217;s fees<\/li>\n<\/ul>\n<h3>Negligent Violation<\/h3>\n<p>If a credit reporting agency fails to use reasonable care and violates the FCRA, they are said to have negligently violated the statute. A consumer can recover the following damages for negligent FCRA violations:<\/p>\n<ul>\n<li>Actual damages<\/li>\n<li>Court costs<\/li>\n<li><a href=\"https:\/\/www.findlaw.com\/hirealawyer\/attorney-fees-and-agreements\/types-of-legal-fees.html\">Attorney&#8217;s fees<\/a><\/li>\n<\/ul>\n<h3>Beware of Unsupported Claims<\/h3>\n<p>If you lose your FCRA lawsuit and the court finds that it was frivolous, it can order you to pay the credit reporting agency&#8217;s attorney&#8217;s fees. You can avoid this risk by enlisting the help of an attorney before you sue.<\/p>\n<h3>Class Action<\/h3>\n<p>In a rare case, you may be able to file what&#8217;s called a class action. A\u00a0<a href=\"https:\/\/www.findlaw.com\/litigation\/legal-system\/class-action-cases.html\">class action<\/a>\u00a0is a case in which a large number of people file virtually identical claims as a group in a single lawsuit. Class actions are particularly useful when bringing your claim alone wouldn&#8217;t be worth the expense.<\/p>\n<h2>A Consumer Protection Lawyer Can Help You<\/h2>\n<p>In many ways, consumers are at the mercy of credit reporting bureaus. They depend on the accuracy of their credit reports for what they can buy, where they can work, and where they can live. You should stay on top of your credit reports to make sure that they are accurate.<\/p>\n<p>If you find an error, you should try to get the agency to fix it. If they won&#8217;t, you have legal options. FCRA cases can be complex, so consider speaking with an experienced\u00a0<a href=\"https:\/\/lawyers.findlaw.com\/consumer-protection\/?fli=dcta\" target=\"_blank\" rel=\"noopener\">consumer protection attorney<\/a>\u00a0to learn more about your legal rights. They can represent you in court if you decide to file a lawsuit.<\/p>\n\n\n<div class=\"was-this-helpful\">\n    <div\n            class=\"was-this-helpful__question-container\"\n            aria-labelledby=\"was-this-helpful__question\"\n            role=\"group\"\n    >\n        <span\n                id=\"was-this-helpful__question\"\n                class=\"was-this-helpful__question fl-text-lg-bold\"\n        >Was this helpful?<\/span>\n        <button\n                class=\"was-this-helpful__button fl-text-sm\"\n                aria-label=\"Yes\"\n                value=\"yes\"\n        >\n            <span class=\"was-this-helpful__button-text fl-text-bold\">Yes<\/span>\n            <i class=\"was-this-helpful__button-icon\">\n                <svg width=\"22\" height=\"22\" viewBox=\"0 0 22 22\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\">\n                    <g id=\"thumbs-up\" clip-path=\"url(#clip0_604_3418)\">\n                        <path id=\"Vector\"\n       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<\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Credit score companies must adhere to the statutes of the Fair Credit Reporting Act, including when they&#8217;ve committed an error that negatively affects you. 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