A Summary of Your Rights Under the Fair Credit Reporting Act

Transcript

1 Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. The re are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights u nder FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write Bureau , 1700 G Street N.W., Washington, DC 20552. to: Consumer Financial Protection • You must be told if information in your file has been used against you. Anyone who uses a credit report or another type of consumer report to deny your application for credit, insurance, or employment – or to take another adverse action ag ainst you – must tell you, and must give you the name, address, and phone number of the agency that provided the information. • You have the right to know what is in your file. You may request and obtain all the umer reporting agency (your “file information about you in the files of a cons disclosure”). You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You are entitled to a free file disclosure if: a person has taken adverse action against you because of information in your o credit report; o you are the victim of identity theft and place a fraud alert in your file; o your file contains inaccurate information as a result of fraud; o you are on public assistance; o you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer for additional reporting agencies. See www.consumerfinance.gov/learnmore information. You have the right to ask for a credit score. • Credit scores are numerical summaries of your credit -worthiness based on information fr om credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, but you will have to pay for it. In some mortgage transactions, you will receive credit sc ore information for free from the mortgage lender. You have the right to dispute incomplete or inaccurate information. If you identify • information in your file that is incomplete or inaccurate, and report it to the consumer 1

2 reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has ve rified as accurate. • Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old. • A consumer reporting agency may provide information Access to your file is limited. about you only to people with a valid need – usually to consider an application with a creditor, insurer, employer, landlord, or other business. The FCRA specifies those with a valid need for access. You must give your consent for reports to be provided to em • ployers. A consumer reporting agency may not give out information about you to your employer, or a potential employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry. For more infor mation, go to www.consumerfinance.gov/learnmore . You may limit “prescreened” offers of credit and insurance you get based on • information in your credit report. Unsolicited “prescreened” offers for credit and insurance must include a toll -free phone number you can call if you choose to remove your name and address form the lists these offers are based on. You may opt out with the nationwide credit bureaus at 1 -888- 5- OPTOUT (1 -888- 567- 8688) . • The fol lowing FCRA right applies with respect to nationwide consumer reporting agencies : R ONSUMERS H AVE THE IGHT T O O BTAIN A S ECURITY F REEZE C You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit. As an alternative to a security freeze, you have the right to place an initial or extended An initial fraud alert is a 1 -year alert that is fraud alert on your credit file at no cost. 2

3 placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years. A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of t he person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, cre dit line increases, and account upgrades and enhancements. If a consumer reporting agency, or, in some You may seek damages from violators. • cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court. ry personnel have additional rights. • Identity theft victims and active duty milita For more information, visit www.consumerfinance.gov/learnmore . States may enforce the FCRA, and many states have their own consumer reporting laws. In some cas es, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General. For information about your federal rights, contact: 3

4 CONTACT: TYPE OF BUSINESS: Bureau 1.a. Banks, savings associations, and credit unions with total Consumer Financial Protection a. assets of over $10 billion and their affiliates 1700 G Street, N.W. Washington, DC 20552 b. Such affiliates that are not banks, savings associations, or b. Federal Trade Commission credit unions also should list, in addition to the CFP B: Consumer Response Center .W. 600 Pennsylvania Avenue, N Washington, DC 20580 (877) 382 - 4357 a. Office of the Comptroller of the Currency 2. To the extent not included in item 1 above: a. National banks, federal savings associations, and federal Customer Assistance Group branches and federal agencies of foreign banks 1301 McKinney Street, Suite 3450 Houston, TX 77010- 9050 b. Federal Reserve Consumer Help Center b. State member banks, branches and agencies of foreign banks P.O. Box 1200 (other than federal branches, federal agencies, and Insured State Minneapolis, MN 55480 Branches of Foreign Banks), commercial lending companies owned or controlled by foreign banks, and organizations operating under section 25 or 25A of the Federal Reserve Act. c. FDIC Consumer Response Center c. Nonmember Insured Banks, Insured State Branches of 1100 Walnut Street, Box #11 Foreign Banks, and insured state savings assoc iations Kansas City, MO 64106 d. Federal Credit Unions d. National Credit Union Administration Protection (OC Office of Consumer Financial FP) Division of Consumer Compliance Policy and Outreach 1775 Duke Street Alexandria, VA 22314 carriers Asst. General Counsel for Aviation Enforcement & Proceedings 3. Air Aviation Consumer Protection Division Department of Transportation 1200 New Jersey Avenue, S.E. Washington, DC 20590 4. Creditors Subject to the Surface Transportation Board Office of P roceedings, Surface Transportation Board Department of Transportation 395 E Street, S.W. Washington, DC 20423 5. Creditors Subject to the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area supervisor 6. Small Business Investment Companies Associate Deputy Administrator for Capital Access United States Small Business Administration 409 Third Street, S 8200 .W., Suite Washington, DC 20416 Securities and Exchange Commission 7. Brokers and Dealers 100 F Street, N.E. Washing ton, DC 20549 8. Federal Land Banks, Federal Land Bank Associations, Farm Credit Administration Federal Intermediate Credit Banks, and Production Credit 1501 Farm Credit Drive Associations McLean, VA 22102 - 5090 9. Retailers, Finance Companies, and All Other Creditors Not Federal Trade Commission Listed Above Consumer Response Center 600 Pennsylvania Avenue, N .W. Washington, DC 20580 4357 (877) 382 - 4

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