Misrepresentation In Credit Reporting

Summary

Misrepresentation of account details, including re-aging and account balance accuracy, can be disputed under the Fair Credit Reporting Act (FCRA). Sections 1681i and 1681s-2 address these issues, applying to both credit reporting agencies and furnishers. Combining claims in a lawsuit may be possible, depending on the specifics of the case and jurisdiction.

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So if some disputes a collection account with the credit reporting agencies and in there the dispute they used that exact term and also asked for completeness and accuracy of account balance could you combine them into one lawsuit ?
You might be able to combine claims of misrepresentation (including re-aging) and disputes over the completeness and accuracy of the account balance into one lawsuit. It would depend on the specifics of your case and the laws of your jurisdiction.
Where are you located? This will help provide more precise information based on local laws.
Could someone do this under the FCRA?
Yes, under the Fair Credit Reporting Act (FCRA), you may be able to combine claims of misrepresentation (including re-aging) and disputes over the completeness and accuracy of the account balance into one lawsuit.
Where are you located? This will help provide more precise information based on local laws.
So if my reason for dispute was “misrepresentation of account details please investigate for completeness and accuracy of account balance “ does that reason includes re aging of account or just account balance?
The term "misrepresentation of account details" can indeed include both the re-aging of the account and the completeness and accuracy of the account balance, depending on the context. The Fair Credit Reporting Act (FCRA) allows for disputes regarding inaccuracies or misrepresentations in credit reports.
Where are you located? This will help provide more precise information based on local laws.
In which context would that term include both?
The term "misrepresentation of account details" can include both re-aging of an account and issues with the completeness and accuracy of the account balance, depending on the context in which it’s used. For example, if the misrepresentation affects the account's history and its current balance, both elements may be included in a dispute under the Fair Credit Reporting Act (FCRA).
Where are you located? This will help me provide more specific information based on your location's laws.
What laws under the FCRA govern this?
Under the Fair Credit Reporting Act (FCRA), the following laws govern misrepresentation of account details, including re-aging of accounts and accuracy of account balances:
- Section 1681i: Deals with the procedure in case of disputed accuracy.
- Section 1681s-*: Addresses the responsibilities of furnishers of information to consumer reporting agencies.
Where are you located? This will help me provide more specific information based on your jurisdiction's laws.
Is this for the furnisher or credit reporting agency?
The laws under the Fair Credit Reporting Act (FCRA) can apply to both furnishers (entities that provide information to credit reporting agencies) and credit reporting agencies themselves.
- Section 1681i: Procedure for disputed accuracy (credit reporting agencies).
- Section 1681s-*: Responsibilities of furnishers regarding the accuracy of information.
Can you share your location to provide more specific guidance based on local laws?