The lawsuit filed in California's Central District on Tuesday accuses comedian Bill Cosby of sexual assault.
The plaintiff, Chloe Goins, says Cosby drugged and molested her at the Playboy Mansion in Los Angeles in 2008 when she was a minor.
Ms Goins now joins more than 50 women who have come forward publicly over the past year with allegations of sexual assault against Cosby.
Most of those cases date back decades, but Ms Goins' case falls within California's statute of limitations.
Ms Goins said: "Today, I recognize that I have taken legal action that many of the other victims of Bill Cosby will never be able to take. For that reason, I offer this message to those brave women: your experience was just like mine and mine was like yours. We are not alone, we did not ask for these attacks and these attacks are not our fault. This has gone on long enough. It's time Bill Cosby was held accountable for his crimes."
Her suit demands a jury trial and damages exceeding $75,000.
Cosby's lawyer has previously dismissed her allegations, saying that his client was in New York at the time of the alleged assault.
Goins' attorney, Spencer Kuvin, says Cosby's time has come.
Mr Kuvin said: "This lawsuit represents a significant milestone in the collapse of Bill Cosby's fabricated public image over the years."
A spokesman for Cosby has denied comment.