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Mixing your file with someone else's. failing to follow debt dispute procedures. privacy violations. requesting a credit report for an impermissible purpose, and.

Access to Credit Reports and Unauthorized Inquiries Access to an individual's credit report is restricted to authorized entities, such as creditors, lenders, and employers with the consumer's consent. Unauthorized access to credit reports is a violation of the FCRA.

The Act (Title VI of the Consumer Credit Protection Act) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report cannot be provided to anyone who does not have a purpose specified in the Act.

15 U.S.C. § 1681i provides consumers with the power to dispute inaccurate information that is listed on their credit reports.

Examples of things that are not permissible include curiosity, litigation in connection with attempts to collect a debt, marketing, or criminal sanctions. Employees of CRAs who knowingly provide consumer reports to those who do not have a permissible purpose could face up to 2 years of imprisonment.

A creditor may not take the consumer's physical, mental, or behavioral health, condition or history, type of treatment, or prognosis into account as part of any determination regarding the consumer's eligibility, or continued eligibility for credit.

Furnisher's Duty to Investigate. If the furnisher finds that the information reported was inaccurate, the furnisher must promptly notify each CRA to which it provided the inaccurate information of the determination and provide the changes necessary to make the information accurate.

If any person intentionally fails to comply with the requirements of the FCRA, they can be held liable to the affected consumer. The damages may include actual losses incurred by the consumer, punitive damages determined by the court, and the costs and reasonable attorney's fees for successful legal actions.

Clear explanation of why you are disputing the information. Request that the information be removed or corrected. A copy of the portion of your credit report that contains the disputed items, with the disputed items circled or highlighted. Copies (not originals) of documents that support your position.