Lawyer seeks referrals for the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Only attorneys should reply. Interested attorneys should call Vicki Piontek, Esq., 877-737-8617 or send email to . We look forward to hearing from you. Common FDCPA and FCRA violations include the following. ●Leaving a message without disclosing that the call is an attempt to collect a debt. ●Leaving a message without disclosing the name of the debt collector's business. ●Leaving a message with the consumer's co-worker. ●Leaving a message with the consumer's family member or household member. ●Leaving a message with the consumer's neighbor. ●Mis-stating the amount of the alleged debt. ●Defective validation notices. ●Overshadowing. ●Failing to Disclose the name AND ADDRESS of the original creditor. ●Describing the nature of medical services on the consumer's credit report. ●Threatening to garnish wages in a non-wage-garnishment state. ●Threatening criminal prosecution. ●False threats of legal action. ●Suing on a time-barred claim. Note that Delaware contracts may have a 3 year SOL. ●Threatening to report a time-barred claim on the consumer's credit report. ●Threatening to pull the consumer's credit report to lower the person's credit score. ●Reporting an account on a spouse's credit report. ●Re-aging an account. ●Misrepresenting the status of a bankruptcy. ●Refusing to give the consumer their credit report. ●Reporting the consumer dead. ●Refusing to disclose information in a consumer file. ●Refusing to conduct a reasonable investigation of a disputed item on the credit report. ●Refusing to provide the method of verification for a disputed item on the credit report. ●Printing the consumer's Social Security number on the credit report. ●Improper notice to the consumer of a credit denial.