FCRA & FDCPA Violation Types — Credit1Solutions Monitors and Disputes

The Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA) cover dozens of distinct violation patterns. Credit1Solutions actively monitors the 14 patterns below across every client file. Each leaf page explains the underlying statute, how the pattern appears on a TransUnion, Experian, or Equifax report, the evidence we need to investigate, and the dispute or attorney-supervised path forward.

Use this index to investigate a specific suspected violation on your own credit report, or to understand what Credit1Solutions and the partner attorney network actually challenge under federal consumer-protection law.

Why a violation-types catalog matters

Most credit-report disputes succeed or fail in the field-level detail. A dispute that asks the bureau to "remove this account" generally fails. A dispute that cites the specific Metro 2 field, the controlling FCRA section, and the documentation gap that makes the data unverifiable generally succeeds. The pages below give you the field-level detail for every pattern we see, in the same vocabulary the attorney network uses when it evaluates a matter for litigation.

All violation types we monitor

• Re-Aged Debts on Your Credit Report — A furnisher resets the date of first delinquency so an old charge-off looks newer than it really is.
• Time-Barred Debts Still Reporting Past 7 Years — Negative items kept on your file past the 7-year (or 10-year for bankruptcies) statutory window.
• Debt Buyers Reporting Without Chain of Title — A debt buyer reports a collection account without producing the documentation that proves it owns the debt.
• Metro 2 Reporting Code Errors Across Bureaus — The same account is reported with different status codes, balances, or dates across TransUnion, Experian, and Equifax.
• Mixed Credit Files (Wrong Person's Data on Your Report) — Another consumer's accounts, addresses, or public records are appearing on your credit file.
• Identity Theft Accounts Not Properly Blocked — A bureau or furnisher fails to block accounts opened through identity theft despite proper FTC affidavit submission.
• Discharged Debts Still Reporting as Past-Due — Accounts discharged in bankruptcy continue to report as open, past-due, or with a balance.
• Paid Collections Still Showing an Open Balance — A collection that has been paid in full or settled continues to report with an open or past-due balance.
• The Same Debt Reporting More Than Once — An account is reported by both the original creditor and the debt buyer (or by two collection agencies) at the same time.
• Bureau Returns 'Verified' Without Real Investigation — The bureau replies 'verified' to a dispute in days without actually contacting the furnisher in any meaningful way.
• Hard Inquiries Without Permissible Purpose — A creditor pulled your credit without authorization or a permissible purpose under federal law.
• Debt Buyers That Cannot Produce Account Documentation — A debt buyer reports or pursues a debt without the original account agreement, payment history, or chain of title.
• Debt Collector Harassment and Abusive Practices — Excessive calls, calls at prohibited hours, third-party disclosures, false statements, or threats by a debt collector.
• Continued Negative Reporting After Settlement — A creditor or collector continues to report a settled account as if it were still unpaid.

Cross-references

• Furnisher directory — companies that report data to the bureaus
• How FCRA / FDCPA litigation works
• Negative-item dispute guides
• Glossary — FCRA, FDCPA, ECOA, TCPA statutes
• Glossary — collections and recovery terminology

Reviewed by Hemminger Law Firm, Consumer Rights Attorneys | Last reviewed: January 1, 2026