Even though the FCRA is a federal statute, individuals can file FCRA lawsuits in state courts. This statement is:

The assertion that individuals can file FCRA lawsuits in state courts is true. The Fair Credit Reporting Act (FCRA) is a federal statute, meaning it primarily governs how consumer reporting agencies and related entities operate at the national level. However, the law does not prohibit individuals from bringing lawsuits in state courts.

This flexibility in the legal system allows consumers to seek justice and remedy for violations of their rights under the FCRA without being limited to federal courts. Filing in state courts can sometimes be advantageous for plaintiffs, depending on the jurisdiction and local laws that might apply. Thus, the correct choice accurately reflects this aspect of the law, confirming that individuals have the option to pursue their claims under the FCRA in both state and federal courts.