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There are 2 collection companies (junk debt buyers) who are reporting information on my credit report to all three credit reporting agencies. I mailed both C.A's a validation of debt letter which they have not responded to. Both accounts are past the statute of limitations in California for consumer debt (4 years). If a creditor is incorrectly reporting information on my credit report which negatively affects my credit score, do I have recourse under the Fair Credit Reporting Act (FCRA) .? I was told this type of case is fee shifting which means that you should not have to forward any attorney fees, and my attorney will receive his/her payment from the offending party; if successful, I may be entitled to up to $1,000.00 dollars in statutory damages and/ or actual damages.P.S: I do not have a civil judgment with either one of the reporting collection companies.