Common Violations by the Original Creditor
FACTA Violation: reporting incomplete, inaccurate, or otherwise erroneous data to a consumer reporting agency
FCBA Violation: incorrect or untimely billing (within 30 days of statement receipt)
FCBA Violation: refusal to provide lawfully requested account information
Non-Specific Common Violations
Defamation of character – If they say nasty things about you, such as you don’t pay your bills on time, then, by definition, they are defaming your character . . . and especially so if they have made an error.
Negligent enablement of identity theft