The Federal Credit Reporting Act allows a person who has been injured by a false or incorrect reporting on their credit report to sue. However, the injury must be actual and not hypothetical. This means that you actually had to have something bad happen to you because of the false or inaccurate credit report.
If you have bad credit and would like to speak with someone about it, contact our law office at 816-524-4949 or visit our website at Hoorfarlaw.com