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Accountability Actions

Supreme Court rules federal government can be sued for failing to correct inaccurate credit reports.

The U.S. Supreme Court made a landmark, unanimous ruling holding the federal government accountable for consumer credit report inaccuracies. In Dep’t of Agric. Rural Dev. v. Kirtz (2024), the court ruled that the government can be sued for failing to correct erroneous information under the Fair Credit Reporting Act (FCRA).

This decision stems from Reginald Kirtz, who sued the Department of Agriculture after it falsely told TransUnion his Rural Housing Service loans were past due. Despite multiple disputes, the Department failed to fix the error, severely damaging his credit standing.

This ruling is a critical step forward, ensuring consumers can hold federal lending agencies accountable for mistakes that threaten their financial health.

At Credit Advocates of America, we help you navigate complex legal landscapes to ensure your credit report remains fair and accurate. Contact us today to protect your consumer credit rights.

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50 Years of Accumulated Practice

We have a proven track record with decades of experience and countless success stories, we have the expertise to resolve even the most complex credit issues, background report errors, and devastating instances of identity fraud.

Accountability Actions

Holding Credit Bureaus Accountable Under Supreme Court Precedent

We take aggressive legal action to hold credit bureaus fully accountable for the financial devastation caused by identity mix-ups. Under the landmark U.S. Supreme Court ruling in TransUnion LLC v. Ramirez, the Court established that a credit bureau cannot escape liability if an error in your internal file is published or distributed to a third party. Our law firm turns this ruling into your strongest leverage. We meticulously document every instance where a bureau shared a "mixed file" with a lender, landlord, or employer, establishing the exact "concrete harm" required by the Supreme Court to sue for damages. By enforcing your rights under the Fair Credit Reporting Act (FCRA), we step in after a botched or ignored dispute to bypass the credit bureau’s red tape, force the immediate correction of your report, and file federal lawsuits to secure the financial compensation and punitive damages you deserve.