Federal Credit Reporting Act Compliance

What if my son's payments on a vehicle loan are not appearing on his credit report. Can he sue under the FCRA?

I co-signed for my son's auto loan and he has been making the payments faithfully for a year but its not on his credit report. Shouldn't it appear there and not just on mine. If so what can we do to correct this?

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Bill's Answer
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Bills.com Team


The Federal Credit Reporting Act requires a person furnishing any information relating to a consumer to any consumer reporting agency to report accurate (Section 623(a)(1)), complete and updated information (Section 623(a)(2)).

If the vehicle dealer is making an incomplete report to the credit bureaus, then the dealer is not in compliance with the FCRA. Find an attorney in your state who has experience in consumer law who will review your facts and can advise you accordingly regarding a cause of action your son may have against the dealer.

I hope this information helps you Find. Learn & Save.





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