The FCRA allows statutory damages of $100–$1,000 per violation, plus actual damages and punitive damages in egregious cases — all on top of attorney fees paid by the bureau.
The FCRA is a fee-shifting statute. When we prevail, the credit bureau and furnisher pay all attorney fees. You pay nothing out of pocket — not a retainer, not costs, nothing.
Each failure to investigate, each inaccurate tradeline from a different furnisher, and each ignored dispute can be a separate violation — stacking damages significantly.
Do I Qualify?
If your credit report
has an error that’s
affecting your life, we can help.
You don’t need perfect documentation to start. A free case review helps us determine whether you have an FCRA claim against the bureau, the furnisher, or both. Most cases are resolved without going to court.
Common FCRA Violation Types
What kinds of errors qualify?
Accounts belonging to someone with a similar name, a mixed credit file, or a deceased person's tradelines appearing on your report.
Accounts reported as delinquent, in collections, or charged off that were actually paid, current, or resolved.
Negative items — collections, late payments, bankruptcies — that have exceeded their reportable period (7 or 10 years) and should have been removed.
Inaccurate balance amounts or credit limits that artificially suppress your credit score and affect lending decisions.
You submitted a written dispute, the bureau claimed to investigate, but re-verified the same inaccurate information without conducting a meaningful review.
The original creditor, collector, or lender that reported wrong data failed to correct it after being notified — making them independently liable under the FCRA.
If you were denied a mortgage, loan, credit card, apartment, or employment because of inaccurate credit information, that economic harm significantly strengthens your FCRA claim and may entitle you to actual damages on top of statutory damages.
Submitting a written dispute to the bureau starts a 30-day investigation clock. If the bureau fails to investigate or correct the error within that period, that failure is itself an FCRA violation — separate from the original inaccuracy.
Why AJG Law Group
Why AJG Law Group
for your FCRA claim?
We handle FCRA cases against all three major credit bureaus and their furnishers. The FCRA's fee-shifting provision means the bureau pays our fees when we win — you pay nothing regardless of outcome.
The FCRA is a fee-shifting statute. When we prevail, the credit bureau and/or furnisher pays all attorney fees. You pay nothing out of pocket.
Each failure to properly investigate a dispute, each inaccurate tradeline, and each unremedied error can be a separate FCRA violation — stacking damages in your favor.
AJG Law Group handles FCRA cases against Equifax, Experian, TransUnion, and furnishers across all of California. We handle everything — you never need to appear in court.
