FCRA lawsuits are up 43.8% this year while the CFPB scales back oversight. Learn how to dispute credit report errors and when to get help.
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.
Montana’s new lawsuit says GM and OnStar never got drivers’ real consent before selling their driving data to brokers who supplied insurers. Here’s where the law draws the line on what carmakers can collect without asking, why GM isn’t the only automaker under scrutiny, and seven steps to protect your privacy and your insurance rates.
Montana is the latest state to sue General Motors and OnStar, alleging GM sold drivers’ speed, braking and seat-belt data to data brokers who passed it to insurers. Here’s what the lawsuit claims, what the FTC already ordered GM to do, and how to check whether driving data is affecting your insurance.
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.
On September 25, 2026, a federal judge in Oregon ruled that the government’s decision to stop requesting funding for the Consumer Financial Protection Bureau was unlawful and unconstitutional. Here’s what the ruling does, what it doesn’t do, and what it means if you’re dealing with a debt collector, a credit reporting error or a lender.
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.
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