Fair Credit Reporting Act in New York

The Fair Credit Reporting Act in New York


The Fair Credit Reporting Act or (FCRA) is a federal law and requires creditors, also known as furnishers, and the crediting reporting agencies to do several things regarding the accuracy of the credit reports.

If your credit report is wrong, then you can file a lawsuit to correct the inaccuracies.


Common FCRA Errors to Correct in New York

  • Information that is too old to be on your report (generally 7 years)
  • Information that is just wrong and inaccurate
  • Information that is not yours such as identity fraud
  • Information that is mixed or merged with another person's credit files.

New York Consolidated Laws, Article 25, Section 380-j provides that a consumer reporting agency may not report an arrest or charge unless there was a conviction for 7 years or the job pays $25,000 or more.


Damages under the New York Fair Credit Reporting Act

The FCRA entitles you to emotional distress damages, economic damages, costs, and attorney fees.


Do You Have a Claim under the Federal or ‚ÄčNew York Fair Credit Reporting Act?

Contact the law office of Joseph P. McClelland to see if we can help you right now.

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