Para informacion en espanol, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street NW, Washington, DC 20552
As a federal law, the enforcement of the Fair Credit Reporting Act (FCRA) falls to the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).
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 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.
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/learnmore for additional information.
See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE
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 fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is 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 the 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, credit line increases, and account upgrades and enhancements.
Equifax: (800) 349-9960, NY residents (800) 349-9960, www.freeze.equifax.com
Experian: (888) 397-3742, www.experian.com/freeze/center.html
Trans Union: (888) 909-8872, www.transunion.com/credit-freeze
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 those agencies listed below.
1.a. Banks, savings associations. and credit unions with total assets of over $10 billion and their affiliates - Consumer Financial Protection Bureau 1700 G Street, N.W. Washington. DC 20552
b. Such affiliates that are not banks. savings associations. or credit unions also should list, in addition to the CFPB: - Federal Trade Commission Consumer Response Center
600 Pennsylvania Avenue. N.W. Washington. DC 20580 (877) 382-4357
2. To the extent not included in item l above:
a. National banks. federal savings associations and federal branches and federal agencies of foreign banks - Office of the Comptroller of the Currency Customer Assistance Group
1301 McKinney Street. Suite 3450 Houston. TX 77010-9050
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 banks. and organizations operating under section 25 or 25A of the Federal Reserve Act. - Federal Reserve Consumer Help Center
P.O. Box 1200 Minneapolis, MN 55480
c. Nonmember Insured Banks, Insured State Branches of Foreign Banks. and insured slate savings associations - FDIC Consumer Response Center 1100 Walnut Street. Box #11
Kansas City, MO 64106
d. Federal Credit Unions - National Credit Union Administration
Office of Consumer Financial Protection (OCFP) Division of Consumer Compliance Policy and Outreach 1775 Duke Street Alexandria, VA 22314
3. Air carriers - Asst. General Counsel for Aviation Enforcement & 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 Administrator for Capital Access United States Small Business Administration - 409 Third Street, S.W., Suite 8200
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 -
Federal Trade Commission Consumer Response Center
600 Pennsylvania Avenue, N.W. Washington. DC 20580 - (877) 382-4357
Clear Hire Screening Solutions
Copyright © 2022 Clear Hire Screening Solutions - All Rights Reserved.
Powered by GoDaddy Website Builder