Sue Smart · The FCRA / FDCPA Lawsuit Engine

Credit bureau won't fix your report?
Sue them.

We prepare the lawsuit documents — small-claims complaints, AAA arbitration demands, evidence packages, and hearing scripts. Flat fees. You keep 100% of what the court awards you.

Built on the federal frameworks that protect you

FCRA

15 USC §1681

FDCPA

15 USC §1692

AES-256

PII encryption

50 jurisdictions

49 states + DC, plus federal court

USPS

certified mail

The problem

Credit bureaus ignore most disputes.

Under the FCRA, credit bureaus must investigate your dispute within 30 days. When they don't — and most don't — that's a federal violation worth real money. Most people don't know they can sue.

30days

To investigate

Bureaus have exactly 30 days. Miss it? That's a violation.

— 15 USC §1681i statutory window

$1,000

Per violation

Statutory damages under FCRA Section 1681n. No proof of harm needed.

— 15 USC §1681n statutory ceiling; recovery varies

100%

You keep

Flat fees — never a percentage of your judgment. Every dollar the court awards is yours.

— flat-fee model — see /pricing for terms

How it works

From dispute to damages in four steps.

We dispute

AI generates FCRA dispute letters with case-law citations. Sent to all 3 bureaus via certified mail.

We track

The 30-day investigation deadline starts automatically. Every day is monitored.

We detect

Bureau misses the deadline? Violation auto-flagged. FCRA sections identified. Case strength scored.

You file

Filing package generated — complaint, evidence, hearing script. You file, and you keep 100% of what the court awards.

Form CIV-100

Request for Entry of Default

Case number

SCV-25-104982

Court

Sup. Ct. — Sacramento

Plaintiff

Sarah J. Chen, Pro Se

Defendant

Equifax Information Services, LLC

Served

03/14/26

Answer due

04/13/26

Status

Default OK

Verified under penalty of perjury · Cal. Code Civ. Proc. §585(a)

CA · auto-filled from case data

Ready to file →

Your filing package

Pre-filled forms for your court.

When the deadline lapses, we hand you the entire packet. Complaint, summons, civil cover sheet, fee waiver, proof of service — populated from your case data and matched to your county and state.

Small-claims complaints in CA & TX, more states rolling out (filing fee $30–$300 depending on venue and claim size)
AAA arbitration demand under 2025 Consumer Rules ($225 filing fee, bureau pays arbitrator)
7 court-ready exhibits auto-organized from your file
Federal: FCRA complaint + JS-44 + AO-440 summons

Start your case

Case timeline

Chen v. Equifax

Days elapsed

Dispute letter generated
Mar 12
AI cited 15 USC §1681i
Mailed certified
Mar 14
USPS tracking confirmed
FCRA 30-day window closed
Apr 13
No bureau response
Default judgment eligible
Apr 15
CIV-100 packet ready
Action ready
Hearing scheduled
May 03
Sacramento Sup. Ct.

Statutory clocks · 49 states + DC

View packet →

The deadline engine

Every clock running. Nothing missed.

Statutory windows are case-killers when missed. We track every FCRA investigation deadline, every answer window, every default-eligible date — across every defendant — and surface the next move before the clock runs out.

Per-defendant service tracking + answer-clock automation
Red/amber/green urgency tiers · email + SMS alerts
Auto-flags default-eligible cases when answer window closes
Append-only event log — admissible audit trail

See the dashboard

Who can you sue

Anyone who violates your rights.

Credit bureaus

Equifax · Experian · TransUnion

File in your local court

Creditors

Banks, lenders, credit-card issuers

File where they're located

Debt collectors

Collection agencies & debt buyers

File where they're located

60-second honesty check — before you pay us

Is your case too good for $35 software?

The FCRA and FDCPA make the other side pay attorney fees when you win — so consumer attorneys take strong cases on contingency, meaning a lawyer may cost you $0. Three questions:

Do you have recordings, voicemails, or letters showing violations (especially after you told them to stop in writing)?

Did this cost you real money — a denied mortgage or job, higher interest, a lost apartment?

Is it a repeated pattern you can document — many calls, re-aged debt, verified errors they refused to fix?

Pricing

Flat fees. You keep 100% of what the court awards you.

Sue Smart is included with the Pro plan — filing and default-judgment packets at no extra charge. No percentage of your judgment — ever.

What it costs

Pro plan

$49/mo

Filing + default-judgment packets included

Court filing fee

$30–$300

Paid directly to the court, depending on venue and claim size — often $0 with a fee waiver

Your award

100% yours

We never take a cut of what the court awards

Not a subscriber? The packets are available à la carte: filing packet $99 · default-judgment packet $149. Always flat — never a percentage.

Start free trial

Frequently asked

Common questions about pro-se FCRA lawsuits.

Do I need a lawyer?

No. Small-claims court is designed for self-represented (pro se) litigants. We generate your complaint, evidence package, and hearing script. AAA arbitration is also self-represented — the hearing is virtual from home. If your case is complex or involves large damages, we can refer you to an FCRA attorney who works on contingency. The honest math: most consumer attorneys only take large, clearly willful cases — the everyday ones are exactly what self-help is built for.

How much can I win?

Under FCRA §1681n, you can recover $100–$1,000 per willful violation — no proof of financial harm required. Multiple violations stack: missed deadline + continued reporting + failure to follow reasonable procedures could be 3 violations × $1,000 = $3,000 in statutory damages alone. Actual damages (denied credit, higher rates, emotional distress) are on top.

How long does it take?

The dispute phase is 30 days (the bureau's investigation window). If they violate, filing takes minutes. Small-claims hearings are typically scheduled 30–70 days after filing. AAA arbitration hearings are usually 60–90 days. Total: 2–4 months from dispute to judgment.

What states are supported for small claims?

Full court-form coverage today: California and Texas, plus the federal FCRA complaint kit (JS-44, AO-440). AAA arbitration is available nationwide. Deadline and jurisdiction data covers 49 states + DC — Connecticut is the one state still being mapped. More court-ready states rolling out.

What happens if the bureau ignores or stonewalls my dispute?

That’s the escalation path, and you can see all of it before paying anything: letter two demands their method of verification (§1681i(a)(6)(B)(iii)); if they verify without investigating or blow the 30-day deadline, the violation log you’ve been building becomes the complaint — we prepare it with the statute citations and your certified-mail paper trail attached. The four steps above are the whole playbook; there’s nothing behind a curtain.

I got sued by a collector — can you prepare my Answer?

Yes — for California and Texas justice courts, the guided Answer generator on our defense page builds a court-ready Answer (general denial + your defenses preserved), free with a free account. Other states: use the free response-deadline calculator, then file your state’s own free Answer form from your court’s self-help center before the deadline. More states rolling out.

Your credit bureau broke the law. Make them pay.

Start your free 7-day trial. Upload your credit report. We prepare everything — you review, sign, and file.

Self-help platform — not a law firm. Plans from $28/mo. No credit card required for trial.

Pre-filled forms for your court.

When the deadline lapses, we hand you the entire packet. Complaint, summons, civil cover sheet, fee waiver, proof of service — populated from your case data and matched to your county and state.

Small-claims complaints in CA & TX, more states rolling out (filing fee $30–$300 depending on venue and claim size)

AAA arbitration demand under 2025 Consumer Rules ($225 filing fee, bureau pays arbitrator)

7 court-ready exhibits auto-organized from your file

Federal: FCRA complaint + JS-44 + AO-440 summons

Start your case

Every clock running. Nothing missed.

Per-defendant service tracking + answer-clock automation

Red/amber/green urgency tiers · email + SMS alerts

Auto-flags default-eligible cases when answer window closes

Append-only event log — admissible audit trail

See the dashboard

Credit bureau won't fix your report? Sue them.

Credit bureaus ignore most disputes.

From dispute to damages in four steps.

We dispute

We track

We detect

You file

Pre-filled forms for your court.

Every clock running. Nothing missed.

Anyone who violates your rights.

Credit bureaus

Creditors

Debt collectors

Is your case too good for $35 software?

Flat fees. You keep 100% of what the court awards you.

Common questions about pro-se FCRA lawsuits.

Your credit bureau broke the law. Make them pay.

Credit bureau won't fix your report? Sue them.

Credit bureaus ignore most disputes.

From dispute to damages in four steps.

We dispute

We track

We detect

You file

Pre-filled forms for your court.

Every clock running. Nothing missed.

Anyone who violates your rights.

Credit bureaus

Creditors

Debt collectors

Is your case too good for $35 software?

Flat fees. You keep 100% of what the court awards you.

Common questions about pro-se FCRA lawsuits.

Your credit bureau broke the law. Make them pay.

Credit bureau won't fix your report?
Sue them.

Credit bureau won't fix your report?
Sue them.