Escalation Center
FCRA Enforcement Letters
The Law Is On Your Side
CRA stalling is a known tactic. It is also illegal. Every day past the FCRA deadline is a violation you can document and act on. File CFPB complaints repeatedly — each one builds your paper trail. Only escalate to BBB and State AG after multiple CFPB failures. The lawsuit demand is your final move.
FCRA §1681n: Willful noncompliance → up to $1,000 per violation + punitive damages + attorney fees. Small claims court requires NO attorney.
Select Escalation Level
Note: This is your primary weapon. File a new CFPB complaint every time the CRA fails to comply. Each complaint creates a documented violation on record.
Accounts in Dispute
Account
Context (Strengthens the Letter)
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