FCRA §616
FCRA section authorizing consumer civil suits for negligent or willful FCRA violations.
FCRA §616, 15 U.S.C. §1681n and §1681o, authorizes consumers to bring civil suits against credit bureaus and furnishers for negligent or willful FCRA violations. Damages: actual damages, statutory damages ($100-$1,000 per willful violation), and attorney's fees.
Most cases never reach court — the threat of litigation usually prompts deletion before trial. We're not lawyers; if you're considering litigation, retain one.
Also called
Related terms
FCRA §611(a)(1) requires bureaus to investigate disputed items within 30 days. The bedrock dispute provision.
FCRA §623 sets the duties of furnishers (creditors) to report accurate information and respond to consumer disputes.
A formal complaint filed with the federal Consumer Financial Protection Bureau against a bureau, lender, or collector.
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