State Resources
Every state has an Attorney General's consumer protection division and legal aid organizations that may be able to help with credit report issues. Find yours below.
Why state resources matter
While the FCRA is a federal law, state attorneys general can sometimes take action against companies that violate consumer protection laws. Additionally, some states have their own credit-reporting laws with additional protections. Legal aid organizations can help you understand your rights and may provide free or low-cost representation.
Tip: Check for state-specific protections
States like California (CCRAA), New York, and Massachusetts have additional consumer reporting laws. When you contact your state AG, ask whether your state has extra protections beyond the federal FCRA.
Find your state
What to tell the Attorney General
When filing a complaint with your state AG, include:
- •The name of the company (credit bureau or furnisher)
- •A clear description of the inaccurate information
- •Dates of your disputes and their responses
- •Copies of your dispute letters and certified-mail receipts
- •Any harm you've suffered (denied credit, emotional distress)