Yes, most courts have held that the Fair Credit Reporting Act (FCRA) enables individuals to sue. In the law, this is called a private right of action. In order to make a claim under the FCRA, a consumer must establish the following factors:

1. The inclusion of inaccurate information in the credit report;
2. the inaccuracy caused by the consumer reporting agency’s failure to follow reasonable procedures to assure accuracy;
3. injury;
4. the injury caused by the inaccuracy of the credit report.

• If there is an error on your credit report, what do you do?
• If a consumer disputes information on his or her credit report must that be included in the credit report?
• Do credit reports contain credit scores?
• Can a credit report include bankruptcies, lawsuits, and arrests?
• Can a consumer reporting agency send a credit report to prospective employers?
• Does the Equal Credit Opportunity Act (ECOA) prohibit credit discrimination based on sexual orientation?
• How do you prove credit discrimination?
• Recently a creditor denied me credit for what I believe was because of my race or gender. Do I have any recourse?
• What is the difference between a secured and unsecured creditor?
• What is the Fair Credit Reporting Act
• Can consumers view their credit scores?
• What is a credit score?
• What is a credit report?
• What can you do if there is an error on your credit card bill?
• Do credit cards always have annual fees?
• What is a variable rate?
• Where do you go to select the right credit card?
• How can you build good credit?
• What factors determine whether you will receive credit?
• Didn’t the U.S. Congress just pass a new law on credit cards?