How is the Fair Credit Reporting Act enforced?

The FTC and CFBP enforce the provisions of the FCRA. Further, individuals may bring a cause of action against creditor reporting agencies or credit providers. In a civil action, a creditor may recover actual damages, attorneys fees, court costs, and punitive damages (if the conduct is intentional).

Note: A consumer must file a civil action within two years of when the violation is discovered or within five years of when the violation occurred.