Credit and consumer reporting errors frequently derail access to credit, employment, rental housing, and insurance, making it one of today’s most active areas of consumer litigation.
For nearly 50 years, NCLC’s Fair Credit Reporting has been the definitive treatise for handling individual and class actions against major credit bureaus; tenant, employment, and other background screening companies; and the creditors and debt collectors that furnish information to them. The 2026 Eleventh Edition features continuous digital updates keeping you current on the latest case law, government agency actions, and evolving industry practices.
Key Insights & Practice Tools Include:
- FCRA Scope: Uncover the surprisingly broad range of companies that must comply.
- Privacy Protections: Learn about the limits on who can access consumer reports under the FCRA, as well as privacy rights under the Gramm-Leach-Bliley Act and other laws.
- Accuracy & Disputes: Master accuracy requirements for consumer reporting agencies and consumer dispute rights.
- Prohibited Information: Ensure that obsolete debts and public records and human-trafficking information stay out of credit reports. See which states and localities prohibit or restrict reporting of medical debts.
- Furnisher Responsibilities: Hold creditors, debt collectors, public records vendors, and other data furnishers accountable for correcting inaccuracies.
- Identity Theft & Privacy: Navigate security freezes, fraud alerts, and identity theft blocks.
- Strategic Leverage: Maximize under-utilized state credit reporting laws and the Credit Repair Organizations Act (CROA).
- Litigation Toolkit: Access expert guidance on advising clients alongside ready-to-use sample pleadings and discovery.
- Newly Organized State Law Summaries: States are becoming more active on credit and other consumer reporting, including tenant screening, coerced debt, consumer privacy, and more.
Praise
"NCLC's Fair Credit Reporting and other manuals are the best and most comprehensive resources in the marketplace for a consumer lawyers and comparatively inexpensive to boot. They are held in such high esteem that opposing counsel show up in court with them!"
—Joanne Faulkner, Attorney at Law, New Haven, CT
"The NCLC treatises are like having an expert by your side." —Scott D. Owens, Esq., Law Offices of Scott D. Owens, Hallandale, F