Holding Credit Bureaus Accountable in Fullerton, Brea, La Habra & Surrounding Communities
If you've disputed incorrect information with credit reporting agencies and seen no meaningful or timely corrections, you may have a legal claim under the Fair Credit Reporting Act (FCRA). This law is meant to protect your rights, but only when enforced. At Law Office of Andrew S. Cho, we specialize in FCRA litigation for clients who’ve been ignored, mistreated, or harmed by justice systems that failed them.
Led by Korean‑American Attorney Andrew S. Cho, our team brings over 27 years of legal experience, a commitment to consumer rights, and the willingness to take on the biggest bureaus to receive the respect, accuracy, and compensation you’re entitled to. If your efforts to clear your credit have been rebuffed, we have the knowledge and the resolve to press your case in court.
Call (714) 384-7633 or complete our online form to arrange your free consultation with an FCRA litigation attorney who will fight for your rights.
Why Clients Trust Us with FCRA Claims
Not every attorney handles FCRA litigation, and even fewer do it well. Our firm has built a reputation across Southern California for tackling tough cases, protecting vulnerable clients, and standing up to powerful companies. We combine deep knowledge of federal credit laws with a personal, supportive approach.
Here’s why people choose Law Office of Andrew S. Cho:
27+ years of legal experience – We’ve handled thousands of matters with precision and care.
We speak Korean – Culturally sensitive support is available in your preferred language.
Flexible payment options – We offer payment plans to make legal help accessible.
Virtual consultations – Get answers without leaving your home or taking time off work.
Real results, not promises – We act with integrity and let our case outcomes speak for themselves.
We’re here to protect your credit and your peace of mind. When credit bureaus fail to act, we make sure they’re held accountable.
What Is FCRA Litigation & Why It Matters
The FCRA requires that credit bureaus and data furnishers investigate and correct inaccurate or incomplete consumer data promptly and fairly. When they don’t, or when they ignore or mishandle your dispute, they open themselves up to legal action.
FCRA litigation lets you:
Demand correction or removal of inaccurate info
Seek compensation for damages caused by credit errors
Hold bureaus accountable for failure to follow legal procedures
This isn’t about small corrections; it’s about enforcing federal law, protecting your credit, and securing accountability. We dig into your file’s history, build a compelling case, and bring the power of a law firm to your side.
“I am truly grateful to the lawyer and Eunice who understood my anxious feelings about bankruptcy in my difficult situation and helped me achieve a good result.”
Minhee L.
“Knowledge and Professionalism”
“I was very impressed and helped by the lawyer and the office manager's knowledge and professionalism in the related field.”
Caroline P.
“Highly Recommend”
“I worked with Andrew and Eunice for my bankruptcy case, and they went above and beyond in securing my assets, helping me understand all of my options, and clearly outlining what to expect.”
Angela S.
“Highly Recommend”
“They are experts who understood the situation and did their best to help me.”
Billy K.
“Responsiveness, Quality, Professionalism, Value”
“I would recommend him and his team to anyone who needs help to resolve debt!”
Liz H.
“Great to Work With”
“Made the whole process easy and great to work with.”
Alan
“Above and Beyond”
“If you're in need of legal representation, look no further than Andrew Cho.”
Anonymous
“Extremely Knowledgeable”
“I highly recommend their services for credit report problems.”
Just noticing a credit error doesn’t automatically mean you have a case, but many people have stronger claims than they realize. If you’ve gone through the proper dispute process and the error still hasn’t been fixed, you may be facing a clear FCRA violation. These violations can lead to significant financial harm and emotional stress, especially when they affect job opportunities, loan approvals, or housing.
Here are signs you may be eligible to file a lawsuit under the FCRA:
Your dispute was ignored or closed without investigation
Creditors failed to update inaccurate data
A bureau “verified” an account without actually checking the details
You’ve suffered financial losses due to inaccurate credit reporting
You’ve been emotionally distressed or denied opportunities because of false credit information
At Law Office of Andrew S. Cho, we will help you determine whether you have a case by reviewing your dispute records, credit history, and any consequences you've faced. Our legal team knows what to look for and how to connect those facts to the protections laid out in the FCRA. If we take on your case, it’s because we believe it has merit, and we’ll treat it like it matters.
What Our FCRA Litigation Process Looks Like
Taking on the credit reporting industry can feel intimidating, but we handle it every day. Our process is structured, strategic, and focused on results. From the moment you reach out, we take on the burden so you don’t have to navigate confusing legal or bureaucratic systems alone.
Here’s what you can expect when we represent you:
Case evaluation – We dig into your report, disputes, and correspondence to identify violations.
Strategic demand letters – We draft precise legal notices that demand correction, accountability, and damages.
Litigation planning – If the issue isn't resolved, we file suit and pursue your case in court.
Negotiation and resolution – We push for favorable outcomes, whether through a settlement or a judge’s decision.
Clear communication – You’ll be updated at every stage and know exactly where your case stands.
We know how to handle these cases efficiently without cutting corners. And we won’t stop until the bureaus make it right, or we make them.
Speak to an FCRA litigation attorney today by calling us at (714) 384-7633 or completing our simple online form to book a free consultation.
