{"id":16639,"date":"2024-09-23T08:00:00","date_gmt":"2024-09-23T14:00:00","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=16639"},"modified":"2025-06-04T16:56:32","modified_gmt":"2025-06-04T22:56:32","slug":"fcra-violations","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/fcra-violations.html","title":{"rendered":"7 common FCRA violations and how to remedy them"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1500\" height=\"500\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/woman-filling-documents-with-pen-hero.jpg\" alt=\"Person filing out documents with a pen.\" class=\"wp-image-16638\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/woman-filling-documents-with-pen-hero.jpg 1500w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/woman-filling-documents-with-pen-hero-1100x367.jpg 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/woman-filling-documents-with-pen-hero-768x256.jpg 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice.&nbsp;<\/em><a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-background has-link-color wp-elements-51fece2830d2a815420cf5e44e490fff\" style=\"background-color:#00214f\">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.<\/p>\n\n\n\n<p><strong>Key takeaways<\/strong><\/p>\n\n\n\n<ul>\n<li>If a consumer reporting agency (CRA) mixes your files with another consumer\u2019s, that counts as an FCRA violation.<\/li>\n\n\n\n<li>Up to $1,000 in damages can be awarded for FCRA violations.&nbsp;&nbsp;<\/li>\n\n\n\n<li>FCRA violations fall into two categories: willful and negligent.<\/li>\n<\/ul>\n\n\n\n<p>In 2023, the <a href=\"https:\/\/www.consumerfinance.gov\/data-research\/research-reports\/consumer-response-annual-report-2023\/\" target=\"_blank\" rel=\"noreferrer noopener\">Consumer Financial Protection Bureau<\/a> received about 1,657,600 complaints from people concerning errors in their credit reports. Congress created the <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-the-fair-credit-reporting-act\" target=\"_blank\" rel=\"noreferrer noopener\">Fair Credit Reporting Act (FCRA)<\/a> in 1970 to help consumers against unfair credit reporting practices. Discovering FCRA violations on your report can result in positive changes to your credit score.<\/p>\n\n\n\n<p>Below, we\u2019ll explore seven common FCRA violations in this guide and break down your credit reporting rights. After reading, you\u2019ll know what to look out for on your credit report, and you\u2019ll have more <a href=\"https:\/\/www.lexingtonlaw.com\/our-services\" target=\"_blank\" rel=\"noreferrer noopener\">credit repair resources<\/a> to dispute inaccuracies.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-the-fair-credit-reporting-act-fcra\"><strong>What is the Fair Credit Reporting Act (FCRA)?<\/strong><\/h2>\n\n\n\n<p>The Fair Credit Reporting Act is a bill created by Congress to protect consumers\u2019 credit information for other parties. By requiring FCRA compliance, the government reduces the likelihood that data on your credit report can hinder your attempts to find work, <a href=\"https:\/\/www.lexingtonlaw.com\/education\/buy-house-with-bad-credit\" target=\"_blank\" rel=\"noreferrer noopener\">buy a house<\/a> and pursue a better quality of life.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-7-fair-credit-reporting-act-violations-explained\"><strong>7 Fair Credit Reporting Act Violations explained<\/strong><\/h2>\n\n\n\n<p>Here are the seven most common <a href=\"https:\/\/www.ftc.gov\/system\/files\/documents\/statutes\/fair-credit-reporting-act\/545a_fair-credit-reporting-act-0918.pdf\" target=\"_blank\" rel=\"noreferrer noopener\">Fair Credit Reporting Act<\/a> violations, along with tips on how to remedy these violations once they\u2019ve been identified.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-withholding-notices\"><strong>1. Withholding notices&nbsp;<\/strong><\/h3>\n\n\n\n<p>As a consumer, you\u2019re entitled to know how your credit information is reported, handled and used by a credit bureau. If you aren\u2019t properly informed of how your data is being used, a violation occurs.<\/p>\n\n\n\n<p>The following actions are considered withholding a notice:<\/p>\n\n\n\n<ul>\n<li>A creditor refuses to notify you of your right to dispute inaccurate credit information<\/li>\n\n\n\n<li>A creditor fails to provide you with your credit information when it\u2019s used to make a credit decision<\/li>\n\n\n\n<li>Creditors don\u2019t notify you when negative credit information (like repeated late payments) is supplied to consumer reporting agencies (CRAs)<\/li>\n<\/ul>\n\n\n\n<p><strong>Bottom line: <\/strong>An FCRA violation<strong> <\/strong>occurs when<strong> <\/strong><a href=\"https:\/\/www.lexingtonlaw.com\/education\/three-credit-bureaus\" target=\"_blank\" rel=\"noreferrer noopener\">credit bureaus<\/a> don\u2019t communicate how your credit information is being used.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-privacy-violations\"><strong>2. Privacy violations<\/strong><\/h3>\n\n\n\n<p>Your information should only be shared with authorized people or entities that have demonstrated a valid need for your credit information.<\/p>\n\n\n\n<p>Entities that typically have a justifiable reason to see your credit information include:&nbsp;<\/p>\n\n\n\n<ul>\n<li>Landlords, to see if you have a pattern of making payments on time&nbsp;<\/li>\n\n\n\n<li>Credit card companies and lenders, to determine if you\u2019re a responsible borrower<\/li>\n\n\n\n<li>Insurers, to make sure that you are able to make responsible financial decisions<\/li>\n<\/ul>\n\n\n\n<p>Credit bureaus are normally careful not to share your <a href=\"https:\/\/www.lexingtonlaw.com\/education\/what-is-a-credit-report\" target=\"_blank\" rel=\"noreferrer noopener\">credit report<\/a> with unauthorized parties. If your information is mishandled, however, you may be entitled to damages.<\/p>\n\n\n\n<p><strong>Bottom line: <\/strong>Select parties are entitled to your credit information under specific circumstances. Mishandling sensitive information is considered an FCRA violation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-requesting-a-credit-report-for-an-impermissible-purpose\"><strong>3. Requesting a credit report for an impermissible purpose<\/strong><\/h3>\n\n\n\n<p>A credit bureau may violate the FCRA if they supply your credit information to someone for an impermissible purpose.&nbsp;<\/p>\n\n\n\n<p>Impermissible purposes would include:&nbsp;<\/p>\n\n\n\n<ul>\n<li>An employer who pulls your credit information without written permission<\/li>\n\n\n\n<li>A creditor that pulls your report to check on your current financial status for no provided reason (such as a recent application for a new credit card)<\/li>\n\n\n\n<li>An employer requests your credit report without your express permission<\/li>\n<\/ul>\n\n\n\n<p><strong>Bottom line: <\/strong>Entities that require your credit report without a valid reason risk violating the FCRA.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1501\" height=\"2149\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/08\/7-most-common-fair-credit-reporting-act-violations.webp\" alt=\"Image depicting 7 common FCRA violations\" class=\"wp-image-20705\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/08\/7-most-common-fair-credit-reporting-act-violations.webp 1501w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/08\/7-most-common-fair-credit-reporting-act-violations-1100x1575.webp 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/08\/7-most-common-fair-credit-reporting-act-violations-768x1100.webp 768w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/08\/7-most-common-fair-credit-reporting-act-violations-1073x1536.webp 1073w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/08\/7-most-common-fair-credit-reporting-act-violations-1430x2048.webp 1430w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-failing-to-follow-proper-debt-dispute-procedures\"><strong>4. Failing to follow proper debt dispute procedures<\/strong><\/h3>\n\n\n\n<p>The FCRA requires agencies to handle <a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-disputes\" target=\"_blank\" rel=\"noreferrer noopener\">credit disputes<\/a> in very specific ways. That includes conducting a reasonable investigation of your dispute, modifying and correcting any found inaccurate information, and removing the disputed item from your credit report within 30 to 45 days after receiving notice.&nbsp;<\/p>\n\n\n\n<p>Sometimes, a credit bureau can neglect any or all of these responsibilities, meaning they\u2019ve violated proper debt dispute procedures.&nbsp;<\/p>\n\n\n\n<p><strong>Bottom line: <\/strong>Failing to handle credit disputes in a timely and accurate fashion counts as an FCRA violation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-furnishing-and-reporting-inaccurate-information\"><strong>5. Furnishing and reporting inaccurate information&nbsp;<\/strong><\/h3>\n\n\n\n<p>Entities like credit card companies or loan collectors should not intentionally supply incorrect information to a CRA under any circumstances.&nbsp;<\/p>\n\n\n\n<p>Some examples of reporting inaccuracies include:<\/p>\n\n\n\n<ul>\n<li>Overstating or misstating total balances due<\/li>\n\n\n\n<li>Reporting a debt that has been paid off as a <a href=\"https:\/\/www.lexingtonlaw.com\/credit-repair\/charge-offs\" target=\"_blank\" rel=\"noreferrer noopener\">charge-off<\/a><\/li>\n\n\n\n<li>Reporting payments paid on time as late<\/li>\n\n\n\n<li>Mistakenly listing you as a debtor on an account<\/li>\n<\/ul>\n\n\n\n<p><strong>Bottom line:<\/strong> Creditors should not intentionally give inaccurate information to CRAs.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-furnishing-and-reporting-outdated-information\"><strong>6. Furnishing and reporting outdated information&nbsp;<\/strong><\/h3>\n\n\n\n<p>If you find the information in your credit report is not updated after a change in your credit (like an account being closed), this could be in violation of the FCRA.<\/p>\n\n\n\n<p>Examples of this kind of FCRA violation include:&nbsp;<\/p>\n\n\n\n<ul>\n<li>Reporting information older than seven to 10 years old&nbsp;<\/li>\n\n\n\n<li>Failing to report debt as being <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/negative-items\/how-does-a-discharge-of-bankruptcy-affect-my-credit.html\" target=\"_blank\" rel=\"noreferrer noopener\">discharged in bankruptcy<\/a><\/li>\n\n\n\n<li>Reporting old debts as current<\/li>\n\n\n\n<li>Reporting a closed account as being still active<\/li>\n<\/ul>\n\n\n\n<p><strong>Bottom line: <\/strong>Creditors or CRAs failing to update your credit information violates the FCRA.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-7-mixing-your-files-with-another-party-s\"><strong>7. Mixing your files with another party\u2019s<\/strong><\/h3>\n\n\n\n<p>In some instances, a credit bureau can mistakenly \u201cmix\u201d your file with that of another person with similar information. This violates the credit bureau\u2019s obligation to report accurate credit information about every borrower.&nbsp;<br>Mixed file violations include combining credit information of people with similar names living in the same area, such as if there are two people named \u201cJohn Smith\u201d who live in the same zip code, or not including \u201cJr.,\u201d \u201cSr.,\u201d \u201cII\u201d or other differences for people with similar surnames.<\/p>\n\n\n\n<p><strong>Bottom line: <\/strong>Mixing credit information between two similar accounts is considered an FCRA violation.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1501\" height=\"964\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/what-is-a-fcra-violation.webp\" alt=\"A graphic with a federal building and a breakdown of what constitutes an FCRA violation\" class=\"wp-image-20706\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/what-is-a-fcra-violation.webp 1501w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/what-is-a-fcra-violation-1100x706.webp 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/11\/what-is-a-fcra-violation-768x493.webp 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-are-your-rights-under-the-fair-credit-reporting-act\"><strong>What are your rights under the Fair Credit Reporting Act?<\/strong><\/h2>\n\n\n\n<p>Every consumer in the U.S. has certain protected rights under the FCRA. Below, you\u2019ll find a summary of what these rights include.<\/p>\n\n\n\n<style>\n.cutout-table_main {\n  width: 100%;\n  overflow: auto;\n}\n.cutout-table_main::-webkit-scrollbar {\n  width: 4px;\n  height: 5px;\n}\n.cutout-table_main::-webkit-scrollbar-track {\n  box-shadow: inset 0 0 6px rgba(0, 0, 0, 0.3);\n  border-radius: 50px;\n}\n.cutout-table_main::-webkit-scrollbar-thumb {\n  background-color: #00214f;\n  outline: 1px solid slategrey;\n  border-radius: 50px;\n  cursor: pointer;\n}\n\n.cutout-table {\n  display: block;\n  table-layout: fixed;\n  display: table;\n}\n.cutout-table th {\n  background-color: #00214f !important;\n  color: #fff;\n  border-left: solid 1px #fff;\n  padding: 1.6rem;\n}\n.cutout-table th:first-child {\n  border-left: solid 1px #00214f;\n}\n.cutout-table th:last-child {\n  border-right: solid 1px #00214f;\n}\/*# sourceMappingURL=style.css.map *\/\n<\/style>\n<div class=\"cutout-table_main\">\n  <table class=\"cutout-table\">\n    <tbody>\n            <tr>\n                <th>\n                    <p>\n                    <p><strong>The FCRA Right to:<\/strong><\/p>\n                <\/th>\n                <th>\n                    <p><strong>Examples<\/p>\n                <\/th>\n            <\/tr>\n        <\/thead>\n        <tbody>\n            <tr>\n                <td>\n                    <p>Know if information in your credit file is used against you<\/p>\n                <\/td>\n                <td>\n                    <p>Getting denied new credit based on previous late payments reported by TransUnion<\/p>\n                <\/td>\n            <tr>\n                <td>\n                    <p>Ask for a credit score<\/p>\n                <\/td>\n                <td>\n                    <p>Asking for your credit score before applying for a mortgage<\/p>\n                <\/td>\n            <tr>\n                <td>\n                    <p>Know what information is in your file<\/p>\n                <\/td>\n                <td>\n                    <p>Were you denied a loan based on recent credit card applications<\/p>\n                <\/td>\n            <tr>\n                <\/td>\n      <\/td>\n            <tr>\n                <td>\n                    <p>Obtain a security freeze<\/p>\n                <\/td>\n                <td>\n                    <p>Contacting credit bureuas to freeze your account<\/p>\n                <\/td>\n            <tr>\n                <\/td>\n<\/td>\n            <tr>\n                <td>\n                    <p>Dispute inaccurate information<\/p>\n                <\/td>\n                <td>\n                    <p>Disputing a paid off card that&#8217;s still on your report<\/p>\n                <\/td>\n            <tr>\n                <\/td>\n<\/td>\n            <tr>\n                <td>\n                    <p>An accurate, complete and verifiable credit report<\/p>\n                <\/td>\n                <td>\n                    <p>Equifax updating a report within 30 days of finding inaccuracies<\/p>\n                <\/td>\n            <tr>\n                <\/td>\n<\/td>\n            <tr>\n                <td>\n                    <p>An up-to-date credit report<\/p>\n                <\/td>\n                <td>\n                    <p>A chapter 7 bankruptcy must be removed after 10 years<\/p>\n                <\/td>\n            <tr>\n                <\/td>\n<\/td>\n            <tr>\n                <td>\n                    <p>Limit unsolicited offers based on your credit report<\/p>\n                <\/td>\n                <td>\n                    <p>Receiving too many offers for preascreened cards<\/p>\n                <\/td>\n            <tr>\n                <\/td>\n<\/td>\n            <tr>\n                <td>\n                    <p>Limit access to your credit file<\/p>\n                <\/td>\n                <td>\n                    <p>Other parties can only view relevant data on your report<\/p>\n                <\/td>\n            <tr>\n                <\/td>\n<\/td>\n            <tr>\n                <td>\n                    <p>Require consent for employers to view your reports<\/p>\n                <\/td>\n                <td>\n                    <p>Interviewers must gain consent before viewing your report<\/p>\n                <\/td>\n            <tr>\n                <\/td>\n<\/td>\n            <tr>\n                <td>\n                    <p>Seek damages from violators<\/p>\n                <\/td>\n                <td>\n                    <p>Suing if an FCRA violation impacts you<\/p>\n                <\/td>\n            <tr>\n                <\/td>\n        <\/tbody>\n  <\/table>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-suing-for-damages-after-an-fcra-violation\"><strong>Suing for damages after an FCRA violation&nbsp;<\/strong><\/h2>\n\n\n\n<p>From a legal perspective, \u201cdamages\u201d refer to reparations that a person seeks when they\u2019ve been negatively affected by another party. If an FCRA violation by another party results in lost funds or harm to your reputation, you can seek damages in court.<\/p>\n\n\n\n<p>Once you\u2019ve identified that the Fair Credit Reporting Act has been violated by a CRA or another credit entity, you\u2019re able to sue that entity in court for one of two types of damages: <a href=\"https:\/\/www.nolo.com\/legal-encyclopedia\/remedies-fcra-violations.html\" target=\"_blank\" rel=\"noreferrer noopener\">willful or negligent violation<\/a>.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-willful-violation\"><strong>Willful violation&nbsp;<\/strong><\/h3>\n\n\n\n<p>A willful violation means you can prove that the CRA or credit entity acted recklessly with your information and didn\u2019t respect their obligations, both to the FCRA and your protected rights under the FCRA.&nbsp;<\/p>\n\n\n\n<p>This doesn\u2019t mean you and your attorney have to prove beyond a reasonable doubt that the entity intentionally violated your rights \u2014 just that they did so in the first place and that they should have known to not do so.<\/p>\n\n\n\n<p>If you can prove this in court, you may be able to recover the following damages:<\/p>\n\n\n\n<p><strong>Basic damages:<\/strong><\/p>\n\n\n\n<ul>\n<li>Provable damages with no set limit, or<\/li>\n\n\n\n<li>Statutory damages between $100 and $1,000&nbsp;<\/li>\n\n\n\n<li>Punitive damages as decided by the court<\/li>\n\n\n\n<li>Attorney fees and costs&nbsp;<\/li>\n<\/ul>\n\n\n\n<p><strong>Damages from an individual violator who lied or used your credit report for an improper purpose:<\/strong><\/p>\n\n\n\n<ul>\n<li>Provable damages with no set limit, or<\/li>\n\n\n\n<li>$1,000 flat<\/li>\n\n\n\n<li>Punitive damages as decided by the court<\/li>\n\n\n\n<li>Attorney fees and costs&nbsp;<\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1501\" height=\"1343\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/08\/remedies-for-fcra-violations.webp\" alt=\"An image comparing willful and negligent damages for FCRA violations\" class=\"wp-image-20707\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/08\/remedies-for-fcra-violations.webp 1501w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/08\/remedies-for-fcra-violations-1100x984.webp 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2024\/08\/remedies-for-fcra-violations-768x687.webp 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-negligent-violation\"><strong>Negligent violation<\/strong><\/h3>\n\n\n\n<p>A negligent violation means the CRA or credit entity violated your rights under the FCRA without knowing they did so or without meaning to.&nbsp;<\/p>\n\n\n\n<p>If you\u2019ve identified and proven negligent violations when it comes to your credit, you may be entitled to the following damages:&nbsp;<\/p>\n\n\n\n<ul>\n<li>Actual damages with no set limit or minimum<\/li>\n\n\n\n<li>Attorney fees and costs&nbsp;<\/li>\n<\/ul>\n\n\n\n<p>Before you call your lawyer, you should be aware that there is a penalty for an unnecessary, or \u201cfrivolous,\u201d FCRA lawsuit that can come with a hefty fine \u2014 you\u2019ll need to pay the other party\u2019s attorney fees if it\u2019s found your suit was filed in bad faith or for purposes of harassment.&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-let-lexington-law-firm-help-you-dispute-credit-errors\"><strong>Let Lexington Law Firm Help You Dispute Credit Errors<\/strong><\/h2>\n\n\n\n<p>Investigate any suspicious information on your credit report, as they might turn out to be errors incurred by FCRA violations. If that\u2019s the case, contact Lexington Law Firm to get help disputing these inaccuracies. Learn more about <a href=\"https:\/\/www.lexingtonlaw.com\/our-services\" target=\"_blank\" rel=\"noreferrer noopener\">our services<\/a> to see how you can challenge errors more successfully.<\/p>\n\n\n\n<p><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" aria-label=\"undefined (opens in a new tab)\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>What is a violation of the Fair Credit Reporting Act (FCRA), and how can you remedy it?<\/p>\n","protected":false},"author":63,"featured_media":16638,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>7 common FCRA violations and how to remedy them<\/title>\n<meta name=\"description\" content=\"Fair Credit Reporting Act violations can affect your credit. Learn how to identify and remedy the most common violations.If FCRA violations are inaccurate, you can remove them from your report. We&#039;ll cover seven of the most common FCRA violations that may be lowering your score.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/fcra-violations.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"7 common FCRA violations and how to remedy them\" \/>\n<meta property=\"og:description\" content=\"Fair Credit Reporting Act violations can affect your credit. Learn how to identify and remedy the most common violations.If FCRA violations are inaccurate, you can remove them from your report. 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