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A Summary of Your Rights

Para informacion en Espanola,   visite  www.consumerfinance.gov/learnmore a ercribe 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. There 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 under the FCRA. For more information, including   information about additional rights, go to www.consumerfinance.gov/learnmore or write to:   Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC   20552.
  •   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 against 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 information about   you in the files of a consumer reporting agency (your “file   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 credit   report;
  •   you are the   victim of identity theft and place a fraud alert in your file;
  •   your file   contains inaccurate information as a result of fraud;
  •   you are on   public assistance;
  •   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 reporting agencies. See www.consumerfinance.gov/leammore for additional information.
  •   You have the right to ask for a credit score. Credit scores are numerical summaries of your   credit-worthiness based on information from 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 score 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 reporting agency, the agency must investigate   unless your dispute is frivolous. See www.consumerfinance.gov/leammore 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 verified 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.
  • Access to your file is limited. A consumer reporting agency may provide information 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 he provided to employers. 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 information, go to www.consumerfinance.gov/learnmore.
  • You many 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 from the lists these offers are based on. You may opt out with the nationwide credit bureaus at 1-800-XXX-XXXX.
  • You may seek damages from violators. If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information 10 a consumer reporting agency violates the FeRA, you may be able 10 sue in Slate or federal court.
  • Identity theft victims and active duty military personnel have additional rights. For more information, visit www.consumerfinance.gov/learnmore.

States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, 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:

1.a. Banks, savings associations, and credit unions with total assets of over $1 0   billion and their affiliates

b. Such affiliates that are not banks, savings   associations, or credit unions also should list, in addition to the CFPB:

a. Consumer   Financial Protection Bureau 1700G Street   N.W. Washington.   DC 20552

b. Federal   Trade Commission: Consumer Response Center FCRA Washington, DC 20580 (877)   382-4357

2. To the extent not included in item 1 above:

a. National  banks, federal savings associations, and federal braches and federal agencies of foreign banks

b. State member banks. branches and agencies of foreign banks (other than federal branches, federal agencies, and Insured State Branches of Foreign Banks),  commercial lending companies owned or controlled by foreign b.1nks, and   organizations operating under 25 or 25A of the Federal Reserve Act

c. Nonmember   Insured Banks, Insured State Branches of Foreign Banks. and insured Slate   savings associations

d. Federal Credit Unions

a. Office of the Comptroller of the Currency Customer   Assistance Group 1301 McKinney Street, Suite 3450 Houston. TX  77010-9050

b. Federal Reserve Consumer Help Center P.O. Box 1200 Minneapolis, MN 55480




c. FDIC Consumer Response Center 1100 Walnut Street, Box #11 Kansas City, MO 64106

d. National Credit Union Administration Office of Consumer Protection (OCP) Division of Consumer Compliance and Outreach (OCP) 1775 Duke Street Alexandria, VA 22314

3. Air carriers Asst. General Counsel for Aviation Enforcement and Proceedings 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 Proceedings, 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 Adminstrator for Capital Access United States Small Business Administration 409 Third Street, S.W., 8th Floor Washington, DC 20416
7. Brokers and Dealers Securities and Exchange Commission 100 F Street, N.E. Washington, DC 20549
8. Federal Land Banks. Federal Land Bank Associations, Federal Intermediate Credit Banks. and Production Credit Associations. Farm Credit Administration 1501 Farm Credit Drive McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not Listed Above FTC Regional Office for region in which creditor operates or Federal Trade Commission: Consumer Response Center FCRA Washington,  DC 20580 (877)382-4357