Fair Credit Reporting Act (FCRA)

National Counsel for FCRA Compliance and Defense

The Fair Credit Reporting Act (FCRA) imposes strict requirements on credit reporting agencies, furnishers, users of consumer reports, and employers. Plaintiffs’ lawyers and regulators continue to bring claims at a rapid pace, making FCRA one of the most frequently litigated federal consumer statutes. Companies face exposure in nationwide class actions, individual lawsuits, and regulatory inquiries, often with reputational as well as financial stakes.

Hinshaw has decades of experience defending FCRA claims in courts across the country. We represent major credit reporting agencies, banks, mortgage lenders, auto finance companies, fintechs, and employers. Our team has successfully resolved hundreds of FCRA cases, from high-stakes class actions to single-plaintiff claims, including matters involving alleged reporting inaccuracies, reinvestigation procedures, and background check disclosures.

Representative Experience

We have successfully defended more than 200 FCRA cases, including class actions, across the country. We pride ourselves on knowing the state of the law in every jurisdiction in which we litigate. Representative examples of our FCRA litigation experience include:

• Obtained dismissal on an early dispositive motion in California FCRA matter on claim that a furnisher reported erroneous bankruptcy information in consumer’s credit history.
• Represented a furnisher in a case where the debtor claimed that the client reported the debtor's "charge off" status to credit-reporting agencies in violation of the FCRA. In granting dismissal on an early dispositive motion, the court held that plaintiff failed to allege a proper basis on which to impose FCRA liability.

Areas of Focus

Defending Your Reputation While Managing Risk

Hinshaw combines litigation strength, regulatory insight, and practical compliance counseling to help clients manage FCRA risk. Our experience allows us to anticipate litigation strategies, minimize exposure, and protect reputation in one of the most active areas of consumer law.