Acodeco imposes B/. 65,200 in fines for credit history irregularities

The Consumer Protection and Defense of Competition Authority (Acodeco) has imposed 23 fines totaling B/. 65,200 for violations of laws regulating consumer credit history services. These sanctions, issued between January and September 2026, address various irregularities in how credit information is managed.

The most frequent violation involved including references for individuals who had no relationship with the economic agent, resulting in 10 fines totaling B/. 19,000. Other significant infractions included failing to remove references due to prescription, failing to rectify credit histories, and not updating account statuses from active to canceled.

By economic sector, collection agencies received the most penalties with 12 fines totaling B/. 24,000. Other sanctioned sectors included banks (6 fines), cooperatives (2 fines), financial institutions (2 fines), and one distributor/importer. During the first nine months of 2026, Acodeco received 724 complaints regarding credit histories, down from 1,059 complaints recorded during the same period in 2025.