Fair Credit Reporting Act/California Consumer Credit Reporting Agencies Act
The Fair Credit Reporting Act, 15 U.S.C. §§ 1681, et seq. (“FCRA”) governs how information is furnished to and reported by consumer reporting agencies, as well as the circumstances under which users may lawfully obtain and use consumer report information. The California Consumer Credit Reporting Agencies Act, Cal. Civ. Code §§ 1785, et seq. (“CCRAA”) is one of two state statutes governing credit reporting conduct that is not completely preempted by the FCRA. Firm attorneys have years of experience defending lawsuits filed under both statutes and with providing clients with related compliance advice.