(a) Disclosure required
Any credit repair organization shall provide any consumer with the following written statement before any contract or agreement between the consumer and the credit repair organization is executed:
“Consumer Credit File Rights Under State and Federal Law
“You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. However, neither you nor any ‘credit repair’ company or credit repair organization has the right to have accurate, current, and verifiable information removed from your credit report. The credit bureau must remove accurate, negative information from your report only if it is over 7 years old. Bankruptcy information can be reported for 10 years.
“You have a right to obtain a copy of your credit report from a credit bureau. You may be charged a reasonable fee. There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The credit bureau must provide someone to help you interpret the information in your credit file. You are entitled to receive a free copy of your credit report if you are unemployed and intend to apply for employment in the next 60 days, if you are a recipient of public welfare assistance, or if you have reason to believe that there is inaccurate information in your credit report due to fraud.
“You have a right to sue a credit repair organization that violates the Credit Repair Organization Act. This law prohibits deceptive practices by credit repair organizations.
“You have the right to cancel your contract with any credit repair organization for any reason within 3 business days from the date you signed it.
“Credit bureaus are required to follow reasonable procedures to ensure that the information they report is accurate. However, mistakes may occur.
“You may, on your own, notify a credit bureau in writing that you dispute the accuracy of information in your credit file. The credit bureau must then reinvestigate and modify or remove inaccurate or incomplete information. The credit bureau may not charge any fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit bureau.
“If the credit bureau’s reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit bureau, to be kept in your file, explaining why you think the record is inaccurate. The credit bureau must include a summary of your statement about disputed information with any report it issues about you.
“The Federal Trade Commission regulates credit bureaus and credit repair organizations. For more information contact:
“The Public Reference Branch
“Federal Trade Commission
“Washington, D.C. 20580”.
(b) Separate statement requirement
The written statement required under this section shall be provided as a document which is separate from any written contract or other agreement between the credit repair organization and the consumer or any other written material provided to the consumer.
(c) Retention of compliance records
(1) In general
The credit repair organization shall maintain a copy of the statement signed by the consumer acknowledging receipt of the statement.
(2) Maintenance for 2 years
The copy of any consumer’s statement shall be maintained in the organization’s files for 2 years after the date on which the statement is signed by the consumer.
Notes of Decisions
Carson (N.D. Iowa 2026).
“” 15 U.S.C. § 1679c(a). The respondents argued that taken together, the statute provides consumers a right to bring an action in a court of law and, because an arbitration agreement would waive that right, it could not be enforced.”
Harris v. My Credit Guy LLC (D. Ariz. 2025).
· cites it 2× “Previously, courts have 1 recognized “four rights” under the CROA: 2 (1) The right to dispute inaccurate information in a credit report by contacting the credit bureau directly; (2) The right to obtain a copy of the consumer's 3 credit report from a credit bureau; (3) The right…”
Arzate v. Awesome Life Grp., LLC (W.D. Pa. 2025).
· cites it 2× “15 U.S.C. §§ 1679c, 1679d, and 1679f(a)-(b) Section 1679c states that “[a]ny credit repair organization shall provide any consumers with the following written statement before any contract or agreement between the consumers and the credit repair organization is executed.”
Hutchins v. Oakstone Law Grp., PC (E.D. Cal. 2024).
“” Plaintiff also states 11 violations of 15 U.S.C. §§ 1679c, 1679d and 16979e, which require a credit repair organization to 12 provide a written contract for services, a notice of cancellation, and a disclosure statement.”
Beech v. Litig. Practice Grp., PC (S.D. Miss. 2024).
“[1] at 4-5; 15 U.S.C. § 1679c(a)-(b). Third, she contended that LPG failed to include the required cancellation rights in its contract and provide separate notice of consumers’ cancellation rights.”
Smith v. Credit Pros Int'l, LLC (E.D. Mich. 2024).
“) Third, Smith alleges that Credit Pros violated 15 U.S.C. § 1679c by failing to provide him with the relevant disclosures that credit repair organizations must supply to consumers before they execute a contract.”
Ensminger v. Credit Law Ctr., LLC (D. Kan. 2019).
“” See 15 U.S.C. § 1679c(b). Plaintiff alleges that defendants violated this requirement of a “separate” “document” because the disclosure was included as one of eight parts of a single e-document sent electronically to plaintiff by defendants (which also included the parties’…”
Taylor-Burns v. AR Resources, Inc., 268 F. Supp. 3d 592 (S.D.N.Y. 2017).
“The CS360 Agreement' failed to comply with the ‘following provisions of the CROA: • Failure to include the required written statement with the contract as " set forth in'15 U.S.C. § 1679c; • Failure to have a dated contract — 15 U.”
Stephen Morris v. Ernst & Young, 834 F.3d 975 (9th Cir. 2016).
· cites it 2× “The plaintiffs pointed to the language in CROA that required a business to tell a consumer that “[y]ou have a right to sue,” 15 U.S.C. § 1679c(a), that provided for actual and punitive damages in both individual legal actions and class actions, id.”
Laverne Jones v. Bernaldo Dancel, 792 F.3d 395 (4th Cir. 2015).
“See 15 U.S.C. § 1679c (requiring credit repair organizations to provide consumers with a document summarizing their right to accurate information in certain credit reports); § 1679d (requiring that any contract between a credit repair organization and a consumer contain specific…”
Iskanian v. CLS Transp. Los Angeles, LLC, 327 P.3d 129 (Cal. 2014).
· cites it 2× “, quoting 15 U.S.C. § 1679c(a).) Had Congress intended to preclude arbitration as a suitable forum under the applicable act, ―it would have done so in a manner less obtuse‖ than one offhand reference to a right to sue.”
— 15 U.S.C. § 1679c(a) — 16 cases
Stephen Morris v. Ernst & Young, 834 F.3d 975 (9th Cir. 2016).
“The plaintiffs pointed to the language in CROA that required a business to tell a consumer that “[y]ou have a right to sue,” 15 U.S.C. § 1679c(a), that provided for actual and punitive damages in both individual legal actions and class actions, id.”
— 15 U.S.C. § 1679c(b) — 1 case
Ensminger v. Credit Law Ctr., LLC (D. Kan. 2019).
“” See 15 U.S.C. § 1679c(b). Plaintiff alleges that defendants violated this requirement of a “separate” “document” because the disclosure was included as one of eight parts of a single e-document sent electronically to plaintiff by defendants (which also included the parties’…”
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