Common Credit Report Errors
Find the error that matches what's on your report. Each one is a recognized inaccuracy under the Fair Credit Reporting Act — and each one the bureaus and furnishers have a legal duty to fix.
Paid Collection Still Reporting
You settled or paid the debt, but the collection still reports a balance or an open status. The classic FCRA inaccuracy.
Account That Isn't Mine
An account you never opened — from a mixed file or identity theft — is a maximum-accuracy violation the bureaus must fix.
Duplicate Account
A debt sold between collectors often gets reported twice, double-counting the balance and the damage to your score.
Wrong Balance
An inflated balance, a balance on a paid account, or an amount you never owed — all inaccuracies the FCRA reaches.
Closed Account Reporting Open
An account you closed — or a collection you resolved — that still reports 'open' misrepresents your current obligations.
Outdated Negative Info
Most negative items must be removed after seven years. Reporting past the deadline violates the FCRA's obsolescence rule.
Incorrect Late Payments
Late marks on an account paid on time — or after a deferment or forbearance — are reportable inaccuracies.
Debt After Bankruptcy
Debts wiped out in bankruptcy must report a zero balance and discharged status. A lingering balance is a violation.
Reinserted Item
When a deleted item reappears without the required written notice, that reinsertion is its own distinct FCRA violation.
Wrong Personal Info
Incorrect identifying details are often the first sign of a mixed file — and a maximum-accuracy problem in their own right.
Identity-Theft Account
Once you report identity theft with the required documents, the bureaus must block the fraudulent information.
Wrong Account Status
'Charged off' on a current account, 'in collections' on a paid one — status errors are squarely FCRA inaccuracies.
Mixed-File Debt
The bureaus merge files of people with similar names or Social Security numbers — putting a stranger's debt on your report.
Unrecognized Collection
An unfamiliar collection account may be misreported, re-aged, or not yours at all — and you have the right to make them prove it.
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