Federal consumer-protection lawsuits rose 31% in 2025 to the highest level in ten years, led by a 44% jump in Fair Credit Reporting Act cases and a 63% jump in robocall and text cases. Here’s what the new Lex Machina report found and how to tell whether a credit-reporting error or unwanted call gives you a claim.
Equifax agreed to a $30 million settlement over how it handled mailed disputes of hard inquiries, with claims due November 29, 2026. A separate $8.31 million TransUnion settlement over bankruptcy remarks has an October 30 deadline. Here’s who qualifies, what each pays, and what to do if a credit bureau brushed off your dispute.
About 4 million people whose Equifax credit scores were thrown off by a 2022 coding error can now file a claim in a $100 million Fair Credit Reporting Act settlement. Here’s who qualifies, what the payment could be and why you have to act before December 28, 2026.
Most negative items can stay on a credit report for seven years, and bankruptcies can stay for up to ten. Here is how the Fair Credit Reporting Act time limits work, when the clock starts and what to do if an old debt won’t go away.
Headquarters:
Ginsburg Law Group, P.C.
653 W. Skippack Pike
Suite 300-71
Blue Bell, PA 19422
