Mixed Credit Files – A mixed credit file occurs whenever a CRA inadvertently comingles the credit histories of two different individuals into a single report. The result is a credit report that contains information belonging to two different consumers, bundled together as if those two people were the same person.

Inaccurately Reporting Date of First Delinquency– The Fair Credit Reporting Act defines the date of first delinquency as the date at which you first became late and then never brought the account current before the creditor decides to charge it off or send it to collections.

Furnisher Not Notifying CRA’s of Direct Dispute – Because the information that furnishers provide to consumer reporting agencies (CRAs) can have significant consequences for consumers, Congress created consumer protections for furnished information.

Collection Agency adding additional fees -Charges can be added, but NOT by the Collection Agency. It is a violation of the law to add any fees to your bill.

Auto Repossession Violations – this violation can cause serious problems for a consumer, many lenders and car dealerships violate those consumer protections everyday within contracts & illegal sales.

Incorrect Bankruptcy Information – debts not being reported as discharged in bankruptcy or falsely reported as being included in bankruptcy.

Tenant Screening Violations – all background screening agencies must follow reasonable procedures to ensure that the background reports that they provide to their customers are as accurate as possible.

Impermissible Credit Report – requests for credit reports that you did not authorize. This is always a potential problem when you apply for a car loan. Each impermissible hard credit inquiry could decrease your credit score by up to five points.

Stale Credit Information – especially old medical debt.

Incorrect Payment Histories – which happens often with mortgages and student loans.

Utility Credit Report Violation – is a credit reporting agency that maintains data, such as payment and account history, reported by member service providers in the telecommunications, pay TV, and utility industries..

Statute Violations – Disregarding a consumers statute of limitations can cause serious damage. Stopping it sooner than later can help decrease damages.

Reported Public Records – including paid judgments and liens that are not reported as satisfied.

Medical Violations– Consequences include denied claims; pro longing claims, incorrect coding. These are just some of the typical violations that can turn unpaid medical claims into medical collections.

Balance After Discharge – Discharge releases the debtor from liability for certain debts, so the debtor is no longer legally required to pay the balance. The discharge also prohibits creditors from collecting discharged debts in any manner, including through lawsuits, demand letters, and telephone calls.