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Check for identity errors Errors made to your identity information (wrong name, phone number, address) Accounts belonging to another person with the same or a similar name as yours (mixing two consumers' information in a single file is called a mixed file) Incorrect accounts resulting from identity theft.

Ask the creditor to report the information. Another possibility is to ask the creditor directly to report your account information to the reporting agency. Creditors and credit reporting agencies generally have existing contracts.

When your credit circumstances have changed, and the information in your credit report isn't updated to reflect these changes, this failure might be a violation of the FCRA. Some examples of violations include: failing to report that a debt was discharged in bankruptcy. reporting old debts as new or re-aged.

Generally, Section 623 of the FCRA applies to any “person” who furnishes information related to a “consumer” to a “consumer reporting agency.” The term person is broadly defined as “any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or ...

Whenever a statement of a dispute is filed, unless there is rear sonable grounds to believe that it is frivolous or irrelevant, the consumer reporing agency shall, in any subsequent report containing the informaion in quesion, clearly note that it is disputed by the consumer and provide either the consumer͛s statement ...

Medical information is defined under the FCRA as: Information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to—(A) the past, present, or future physical, mental, or behavioral health or condition of an individual; (B) the ...

Section 624 generally provides that if a person receives certain consumer eligibility information from an affiliate, the person may not use that information to make solicitations to the consumer about its products or services, unless the consumer is given notice and an opportunity and a simple method to opt out of such ...

The 7 most common FCRA violations are withholding notices, privacy violations, requesting report for impermissible purposes, failure to follow proper debt disclosure procedures, furnishing and reporting inaccurate information, furnishing and reporting old information, and mixing files.

The FCRA also prohibits the provision of reports that contain medical information for employment purposes without notice and explicit affirmative consent for release of the health data. It is important to note that the FCRA does not apply to investigations performed by companies or individuals who are not CRAs.