If I believe that a credit bureau or collection agency has violated the law, but I do not want to sue, can I complain to someone?
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Yes! A consumer can file a complaint with the Federal Trade Commission, Office of the Attorney General, or Consumer Credit Commission. If you do want to sue a credit bureau or collection agency, you can file a complaint with the small claims court in your area. You do not need an attorney to do this. With proper documentation, you can effectively take care of this on your own.