Legal actions for violations of the FCRA can be brought by:

Legal actions for violations of the Fair Credit Reporting Act (FCRA) can indeed be brought by various entities, which include the Federal Trade Commission (FTC), the Consumer Financial Protection Bureau (CFPB), and private plaintiffs.

The FTC has authority to enforce compliance with the FCRA through investigations and litigations, safeguarding consumer rights against unfair and deceptive practices in credit reporting. The CFPB oversees financial institutions and enforces federal consumer financial laws, including the FCRA, ensuring that consumers are treated fairly in the credit reporting process.

In addition, private plaintiffs also have the right to bring suit against entities that violate the FCRA, allowing individuals to hold credit reporting agencies and businesses accountable for any harm caused due to non-compliance.

The combination of these three avenues for legal action underscores the comprehensive nature of enforcement mechanisms available under the FCRA, ensuring that consumers have multiple layers of protection and recourse for any violations.