Fair Credit Reporting Act (FCRA) Attorney

Protecting Your Credit. Protecting Your Rights.

The Fair Credit Reporting Act (FCRA) is a federal law designed to protect consumers from inaccurate, incomplete, or unfair credit reporting. It requires credit reporting agencies and creditors to ensure the information they report is as accurate as possible and to correct errors promptly.

Unfortunately, errors on credit reports are common—and when they are not properly investigated, they can seriously impact your financial life.

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Your Rights Under the FCRA

Under the FCRA, you have important protections, including:

• The right to accurate credit reporting
• The right to dispute incorrect or incomplete information
• The right to a timely investigation of your dispute
• The right to be notified of the results of that investigation

Credit reporting agencies are required to follow “reasonable procedures” to ensure maximum possible accuracy in your credit file.

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The Credit Dispute Process

If you identify an error on your credit report, you have the right to dispute it. Once your dispute is submitted:

• The credit reporting agency must investigate your claim
• They must notify the creditor (furnisher) of the dispute
• Both the agency and the creditor must conduct a reasonable investigation
• The investigation must generally be completed within 30 days

If the information cannot be verified, it must be corrected or removed from your credit report.

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When Credit Agencies and Creditors Fail

Too often, credit bureaus and creditors:

• Fail to properly investigate disputes
• Ignore supporting documentation
• Continue reporting inaccurate information
• Miss required deadlines

When they fail to comply with the law, they may be violating your rights under the FCRA.

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You May Be Entitled to Compensation

If a credit reporting agency or creditor fails to reasonably investigate your dispute within the required timeframe, you may be entitled to recover:

• Actual damages (financial harm, denied credit, higher interest rates)
• Statutory damages
• Attorney’s fees and costs
• Punitive damages in cases of willful violations

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How Swift Law Can Help

At Swift Law, we help consumers hold credit reporting agencies and creditors accountable when they fail to follow the law.

We can assist with:

• Reviewing your credit report for violations
• Filing and tracking disputes
• Gathering evidence to support your claim
• Pursuing compensation for damages caused by inaccurate reporting

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Take Action Today

If inaccurate information on your credit report is hurting your financial future, don’t wait.

Contact Swift Law today for a consultation and find out how we can help you enforce your rights under the Fair Credit Reporting Act.