Dec. 6, 2025
Let the Credit Report Speak For Itself: Res Ipsa Loquitur within the FCRA Context
Access to our nation’s economic opportunities largely depends on a consumer’s credit. As a result, credit report accuracy is essential to a consumer’s ability to access those opportunities. The Fair Credit Reporting Act (“FCRA” or “Act”) provides an avenue for individuals to recover damages caused by inaccurate credit reporting. However, the difficulty plaintiffs face in successfully litigating claims under the statute render this recourse insufficient. To address this shortfall, courts should allow plaintiffs to invoke the doctrine of res ipsa loquitur when asserting negligence under the FCRA.
