Failure to follow reasonable procedures (§ 1681e(b)) Failure to reinvestigate (§ 1681i) Furnisher failure to investigate (§ 1681s-2(b)) False/misleading representations (§ 1692e) Unfair practices (§ 1692f) Failure to validate debt (§ 1692g) Unauthorized autodialed calls/texts (§ 227(b)) Breach of written settlement/contract Wrongful repossession (UCC § 9-609) Willful non-compliance (§ 1681n)

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Statutory damages Actual damages (emotional distress) Credit denial / higher rates Punitive damages Attorney fees and costs Injunctive relief

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