If a credit reporting agency (“CRA”) fails to remove inaccurate information from your credit file, the Fair Credit Reporting Act (“FCRA”) allows you to file a lawsuit against the CRA. A lawsuit against the CRA will be filed in federal court (because the matter concerns a federal law - the FCRA). In addition to seeking the credit file be corrected, you can seek actual damages (such as a loss of funds due to the mistake if it involved financing, for instance) and reasonable attorney’s fees for negligent (i.e. accidental) violations. If the violation of the FCRA is found to be willful, the Court can award actual damages or statutory damages from $100 to $1,000 per violation and punitive damages (which are damages the Court awards to punish the defendant(s) or to deter other people to take such actions).