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Unraveling FCRA Violations: Know
What Constitutes a Breach


The Fair Credit Reporting Act (FCRA) sets strict standards for how credit information is collected, shared, and used. However, violations of these standards do occur. Being aware of the various types of FCRA violations can help you identify when your rights have been infringed and take appropriate action.

Common Types of FCRA Violations:
  1. Inaccurate Reporting: The FCRA requires that all information on your credit report be accurate and up-to-date. Inaccurate reporting can include misattributed debt, outdated information, or listing the same debt multiple times.

  2. Failure to Investigate Disputes: Credit reporting agencies are required by law to investigate when a consumer disputes information on their credit report. If a credit bureau fails to properly investigate your dispute, it's a violation of the FCRA.

  3. Unauthorized Access to Your Credit Report: The FCRA allows only businesses with a legitimate need, and in certain circumstances, to access your credit report. If someone accesses your report without permission or a valid reason, it's a violation.

  4. Failure to Provide Notice: If negative information is added to your credit report, you have the right to be notified. Companies that fail to provide this notice are in violation of the FCRA.

  5. Re-aging Debt: Debt has a statute of limitations, after which it can no longer be reported. If a company intentionally changes the date of your old debt to make it appear more recent, this is called re-aging and is a violation of the FCRA.

  6. Identity Theft Issues: If you are a victim of identity theft, the FCRA provides certain rights, like placing a fraud alert on your credit reports. If these rights are not respected, it can be an FCRA violation.

  7. Mixed Files: Sometimes, credit reporting agencies might mix up two consumers' files, especially if they have similar names or social security numbers. If your report contains information that belongs to someone else, that's an FCRA violation.


If you believe your rights under the FCRA have been violated, it's crucial to contact a legal professional who understands this complex law. Our law firm is dedicated to fighting for consumers' rights and helping you navigate the legal process if you've been affected by these or other FCRA violations. We're here to help ensure that credit reporting agencies, creditors, and other entities abide by the FCRA, providing you with the protections you deserve.

Unravel FCRA Violations: Know What Constitutes a Breach
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99 Park Ave Suite 1100
New York, NY 10016

(212) 804-9095

© 2023 Tariq Law PC

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