For attorneys · Co-counsel & referrals
Have a client with a credit reporting problem?
Consumer Litigation Associates co-counsels FCRA cases with referring attorneys nationwide. Licensed in Virginia, North Carolina, Florida, Texas, California, and New York - and co-counsel in 40+ states. You keep the client relationship; we bring the FCRA firepower.
Why refer an FCRA case
These cases reward specialists
The FCRA is a fee-shifting statute litigated against a handful of repeat defendants. Knowing their playbook is most of the battle - and no plaintiff's firm has spent more time inside it.
FCRA cases are worth more than they look
Statutory damages, punitive exposure, and fee-shifting under 15 U.S.C. §§ 1681n–1681o change the settlement calculus. A claim that might resolve for nominal value in general practice can be worth many multiples of that when litigated by attorneys the bureaus already know will try the case. Better for the client - and better for the referring attorney.
We have already built the record
Thousands of federal FCRA cases against Equifax, Experian, TransUnion, and their furnishers. We know their reinvestigation systems, their e-OSCAR shortcuts, their deposition witnesses, and their settlement patterns - because we have taken them to verdict.
Pleadings, discovery, and expertise - shared
Our philosophy is to give the material away. Referring and co-counsel attorneys get access to our pleadings, discovery templates, expert relationships, and decades of institutional knowledge about how these defendants litigate.
The lawyers other lawyers learn the FCRA from
Our attorneys are lead CLE speakers on the Fair Credit Reporting Act, contributing authors to the leading FCRA treatise, and have trained consumer rights lawyers at NACA, NCLC, ABA, and state bar programs nationwide.
CLA by the numbers
The process
How referral & co-counsel works
No committees, no intake maze. You talk to the lawyers who will work the case.
Send us the case
Call or use the contact form. Share the credit reports, the dispute history, and what your client has lost - a short summary is enough to start.
We evaluate together
We review the file for FCRA liability - willful and negligent noncompliance, reinvestigation failures, furnisher violations - and give you a candid read on value and venue.
Co-counsel on your terms
Full referral or active co-counsel - your choice. Fee-division arrangements comply with the applicable rules of professional conduct and are documented with client consent.
What we look for
Cases we co-counsel
One threshold matters more than anything else: under the FCRA, no claim against a bureau exists until the consumer has disputed. If your client has disputed - or you can help them dispute properly - these fact patterns are worth a call:
- Disputes returned "verified" without a real investigation
- Mixed files - another consumer's data on your client's report
- Identity theft accounts the bureaus refuse to block under § 605B
- Deleted items that reappear without the required certification
- Deceased indicators, re-aged debts, and obsolete items past the 7-year limit
- Furnishers who ignore § 1681s-2(b) investigation duties
- Background check errors that cost your client a job or housing
Client not ready to litigate yet?
Point them to the free dispute letter generator on this site. It was developed with our attorneys to create the specific, certified-mail dispute record an FCRA claim is built on. If the bureaus mishandle it, the case comes back to you stronger.
See the letter generatorWant this tool on your site?
Host the letter generator on your own website free of charge, or share a direct link with the people you serve. No sign-up, no fees, no strings - just one line of code.
Embed it on your website
Paste this snippet anywhere on your site and the full generator runs right on your page - your visitors never have to leave.
<iframe id="cd-letter-generator" src="https://www.creditdispute.com/embed/letter-generator" width="100%" height="950" loading="lazy" style="border:0;border-radius:12px;max-width:100%;" title="Free FCRA Credit Dispute Letter Generator"></iframe>
<script>
window.addEventListener('message', function (e) {
if (e.origin !== 'https://www.creditdispute.com') return;
if (!e.data || e.data.type !== 'creditdispute:height') return;
var f = document.getElementById('cd-letter-generator');
if (f) f.style.height = e.data.height + 'px';
});
</script>Or just share the link
Add it to your resources page, newsletter, or handouts. It works on any device and never asks for an account or payment.
Questions about embedding, or want a co-branded version for your organization? Get in touch.
Talk to us about your client's case
A ten-minute call is usually enough to know whether there's an FCRA claim worth pursuing. Ask for Len Bennett or any of our FCRA attorneys.
Attorney advertising. Fee-division and co-counsel arrangements are made in accordance with the applicable rules of professional conduct and with client consent. Past results do not guarantee future outcomes.