The Fair Credit Reporting Act allows you to sue a credit bureau for information it incorrectly includes in (and refuses to remove from) your credit reports. The Act makes clear that you can more easily sue the credit agency bureau, not the creditor. According to Morgan & Morgan’s William Howard, “If (a lender) puts a bankruptcy on your credit and it’s wrong, you can dispute it with (the lender) until the cows come home but you can’t sue them. You are required to dispute it with the credit reporting agencies.” Under the FRCA, you have the right to sue a credit reporting company for willful or negligent noncompliance with the law. You have up to two years to sue after discovering the non-compliant behavior or within five years of the actual occurrence, whichever is sooner. Depending on the nature of the FCRA violation, you may be able to collect statutory damages, actual damages, punitive damages, attorneys’ fees, and court costs. Although the task may seem daunting, the fact that most of the reviewed law firms work on a contingency basis means you are not exposed to the fees of a credit lawyer if your suit loses.