Common Credit Report Violations
A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate.
The Fair Credit Reporting Act provides protection against the misuse and misreporting of your credit information. When creditors, collectors, or credit reporting agencies violate the provisions of the FCRA, it can cause a lower credit score, denial of credit, higher interest rates on loans and credit extensions, and more. It’s important to recognize when the FCRA has been violated, so you can take action and prevent harm to your credit. This article describes some of the more common FCRA violations.
Common Credit Report Violations, or violations of the FCRA include inaccurately reporting negative credit reporting information on consumer credit reports in the following ways:
- Re-aging – reporting the date of originally delinquency later in time than when the delinquency actually occurred.
- Post Bankruptcy Collections – a furnisher must properly report the filing and discharge of a consumer bankruptcy and its effect on the account.
- Multiple Reporting – A furnisher cannot report the same account numerous times, in correctly convening that the consumer has multiple accounts with the furnisher, all of which are delinquent.
FREE ERRONEOUS CREDIT REPORT EVALUATION
Please fill out the form below and click on the “Submit” button at the bottom of the form. By doing so, you will be providing us with the basic information we need to contact you and assist you with a fair credit reporting problem you may be having. You should hear from us within one business day of submitting this information, but usually much faster. There is no charge for this evaluation.
This is not a substitution for a telephone or in-person interview with you, both of which are FREE. Once we have this information, we will call you and discuss our views over the phone or setup an in-person interview. If you do not hear from us within one business day of submitting this information please contact our office at 619-233-7770.
By submitting a free case evaluation, you understand and agree that this is for an informational request and request for a free case evaluation. No attorney-client relationship is created by merely submitting an inquiry through this website.