• Inaccurate Information: Reporting outdated or incorrect information such as wrong account statuses, balances, or personal information.
• Failure to Conduct a Proper Dispute Investigation: Credit reporting agencies (CRAs) must investigate disputes from consumers about inaccuracies in their credit reports within 30 days. Failure to properly investigate or correct errors can be a violation.
• Reinsertion of Incorrect Information: If incorrect information is removed as a result of a consumer dispute but later reinserted without notifying the consumer within five business days, it is a violation.
• Furnisher Violations: Entities that furnish information to CRAs (like banks or debt collectors) must provide accurate data and conduct investigations when a dispute is forwarded by the CRA. Failure to correct or verify the data is a violation.
• Improper Disclosure of Credit Reports: CRAs can only provide credit reports to those with a valid need as defined in the FCRA, such as creditors, insurers, or landlords. Providing access to others without permissible purpose is a violation.
• Failure to Provide Notice: Consumers must be notified about adverse actions taken against them based on their credit report. This includes denials of credit, employment, insurance, or rental applications. Failure to provide these notices is a violation.
• Identity Theft and Mixed Files: CRAs must have procedures to handle cases of identity theft or mixed files (where one person’s information is mixed with another’s). Poor handling or resolution of these issues can lead to violations.

These violations can result in legal consequences for the CRAs, furnishers, and users of credit reports. Consumers affected by such violations may have the right to seek damages through legal action.

Credit repair involves identifying and correcting inaccuracies or errors on your credit report through compliant investigations, legal disputes, and, if necessary, court actions against creditors or credit reporting agencies on your behalf.