Caddell & Chapman handles class action and other complex litigation cases nationwide.
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Fair Credit Reporting Act Class Actions

Fearlessly Taking on Fair Credit Reporting Act Class Actions

The Fair Credit Reporting Act (FCRA) protects the rights of consumers. Unfortunately, errors on your credit file or background information can lead to devastating consequences, such as higher interest rates, increased insurance premiums, and housing and employment denials. Such errors should not happen, as they are clear violations of the FCRA, but they do. However, you have the right to seek compensation for the damages caused by these egregious credit reporting and background check errors. Contact the seasoned and highly skilled legal team at Caddell & Chapman to discuss your options for pursuing and securing the compensation you’re owed.

Unsurpassed FCRA Experience

Caddell & Chapman has served as lead or co-lead counsel in some of the largest FCRA class actions in history, including:

  • A case that recovered $100 million on behalf of consumers whose confidential financial information was used to create and sell “target marketing” lists to advertisers
  • A ground-breaking settlement that changed the way the debts of consumers who have filed for Chapter 7 bankruptcy are reported nationwide
  • A settlement that will give every adult in the United States the right to view and correct information being collected about them by one of the nation’s largest data brokers 

No matter how big the case, we can help.

Recognizing Common Credit Reporting Errors

Some of the most common errors on credit reports provided by credit reporting agencies—including Experian, Equifax, and TransUnion—include the reporting of debts that are not actually owed or belong to someone else. Also common is the reporting of debts older than seven years, which must be removed from your report by law. If you have experienced inaccurate reports that damage your credit or prevent you from getting employment or housing, our attorneys can help you identify the most strategic path forward to redress this issue and obtain a favorable outcome.

Criminal Background Check Errors

Many criminal background check errors involve merged files, which occur when the files of two people with the same name are combined. Another common issue is overbroad search algorithms that purport to “match” persons with different names, different dates of birth, even different nationalities. If one has a criminal record, the information will show up in the other’s background check, even though a simple check would have shown that the two people are not the same person. Caddell & Chapman was co-lead counsel in one of the largest ever class action recoveries involving criminal background checks. Don’t let such errors limit your housing, or employment prospects—contact our office today to start regaining control of your life.

Understand Your Rights

At the law firm of Caddell & Chapman, our attorneys have over a decade of experience handling significant FCRA class actions nationwide. If you were denied credit, housing, or employment based on negative information in your credit report, you have the right to review a copy of that report and dispute the information. If companies willfully fail to comply with these FCRA provisions, you may be entitled to statutory damages of $100-$1,000 per violation. We’re fully prepared to pursue a class action lawsuit to seek compensation for everyone who has suffered damages due to the same act of wrongdoing.

Caddell & Chapman can help you seek compensation for damages caused by violations of the Fair Credit Reporting Act. Call our office today at (713) 751-0400 to discuss your situation with a trusted and experienced attorney.

Errors in your credit file or background information can lead to devastating consequences. We’re fully prepared to pursue a class action lawsuit to seek compensation for everyone who has suffered damages due to the same act of wrongdoing.

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