Para informacion en espanol, visit 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 frivolous. See www.consumerfinance.gov/learnmore for an
accuracy, fairness, and privacy of information in the files of explanation of dispute procedures.
consumer reporting agencies. There are many types of consumer
reporting agencies, including credit bureaus and specialty • Consumer reporting agencies must correct or delete
agencies (such as agencies that sell information about check inaccurate, incomplete, or unverifiable information. Inaccurate,
writing histories, medical records, and rental history records). incomplete or unverifiable information must be removed or
Here is a summary of your major rights under the FCRA. For more corrected, usually within 30 days. However, a consumer reporting
information, including information about additional rights, go to agency may continue to report information it has verified as
www.consumerfinance.gov/learnmore or write to: Consumer accurate.
Financial Protection Bureau, 1700 G Street N.W., Washington, DC
20552. • Consumer reporting agencies may not report outdated
negative information. In most cases, a consumer reporting
• You must be told if information in your file has been used agency may not report negative information that is more than
against you. Anyone who uses a credit report or another type of seven years old, or bankruptcies that are more than 10 years old.
consumer report to deny your application for credit, insurance, or
employment – or to take another adverse action against you – • Access to your file is limited. A consumer reporting agency may
must tell you, and must give you the name, address, and phone provide information about you only to people with a valid need –
number of the agency that provided the information. usually to consider an application with a creditor, insurer,
employer, landlord, or other business. The FCRA specifies those
• You have the right to know what is in your file. You may with a valid need for access.
request and obtain all the information about you in the files of a
consumer reporting agency (your “file disclosure”). You will be • You must give your consent for reports to be provided to
required to provide proper identification, which may include your employers. A consumer reporting agency may not give out
Social Security number. In many cases, the disclosure will be free. information about you to your employer, or a potential employer,
You are entitled to a free file disclosure if: without your written consent given to the employer. Written
consent generally is not required in the trucking industry. For
• a person has taken adverse action against you because of more information, go to www.consumerfinance.gov/learnmore.
information in your credit report;
• you are the victim of identity theft and place a fraud alert in • You may limit “prescreened” offers of credit and insurance you
your file; get based on information in your credit report. Unsolicited
• your file contains inaccurate information as a result of fraud; “prescreened” offers for credit and insurance must include a toll-
• you are on public assistance; free phone number you can call if you choose to remove your
• you are unemployed but expect to apply for employment within name and address from the lists these offers are based on. You
60 days. may opt-out with the nationwide credit bureaus at 1-888-567-
8688.
In addition, all consumers are entitled to one free disclosure every
12 months upon request from each nationwide credit bureau and • You may seek damages from violators. If a consumer reporting
from nationwide specialty consumer reporting agencies. See agency, or, in some cases, a user of consumer reports or a
www.consumerfinance.gov/learnmore for additional information. furnisher of information to a consumer reporting agency violates
the FCRA, you may be able to sue in state or federal court.
• You have the right to ask for a credit score. Credit scores are
numerical summaries of your credit-worthiness based on • Identity theft victims and active duty military personnel have
information from credit bureaus. You may request a credit score additional rights. For more information, visit
from consumer reporting agencies that create scores or distribute www.consumerfinance.gov/learnmore.
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. States may enforce the FCRA, and many states have their own
consumer reporting laws. In some cases, you may have more
• You have the right to dispute incomplete or inaccurate rights under state law. For more information, contact your state
information. If you identify information in your file that is or local consumer protection agency or your state Attorney
incomplete or inaccurate, and report it to the consumer reporting General. For information about your federal rights, contact:
agency, the agency must investigate unless your dispute is
TYPE OF BUSINESS: CONTACT:
1.a. Banks, savings associations, and credit unions with
1a. Bureau of consumer Financial Protection
total assets of over $10 billion and their affiliates.
1700 G Street NW
Washington, DC 20552
b. Such affiliates that are not banks, savings associations, b. Federal Trade Commission: Consumer Response Center – FCRA
or credit also should list, in addition to the Bureau: Washington, DC 20580
(877) 382-4357
2. To the extent not included in item 1 above: 2a. Office of the Comptroller of the Currency
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. State member banks, branches and agencies of foreign b. Federal Reserve Consumer Help Center
banks (other than federal branches, federal agencies, and P.O. Box 1200
insured state branches of foreign banks), commercial
Minneapolis, MN 55480
lending companies owned or controlled by foreign banks,
and organizations operating under section 25 or 25A of
the Federal Reserve Act
c. Nonmember Insured Banks, Insured State Branches of c. FDIC Consumer Response Center
Foreign Banks, and insured state savings associations. 1100 Walnut Street, Box #11
Kansas City, MO 64106
d. Federal Credit Unions d. National Credit Union Administration
Office of Consumer Protection (OCP)
Division of Consumer Compliance and Outreach (DCCO)
1775 Duke Street
Alexandria, VA 22314
3. Air carriers 3.Asst. General Counsel for Aviation Enforcement & Proceedings
Aviation Consumer Protection Division
Department of Transportation
400 Seventh Street SW
Washington, DC 20590
4. Creditors Subject to Surface Transportation Board 4.Office of Proceedings, Surface Transportation Board
Department of Transportation
1925 K Street NW
Washington, DC 20423
5. Creditors Subject to Packers and Stockyards Act 5.Nearest Packers and Stockyards Administration area supervisor
6. Small Business Investment Companies 6.Associate Deputy Administrator for Capital Access
United States Small Business Administration
403 Third Street, SW, 8th Floor
Washington, DC 20416
7. Brokers and Dealers 7. Securities and Exchange Commission
100 F Street, N.E.
Washington, DC 20549
8. Federal Land Banks, Federal Land Bank 8.Farm Credit Administration
Associations, Federal Intermediate Credit Banks, and 1501 Farm Credit Drive
Production Credit Associations Mclean, VA 22102-5090
9. Retailers, Finance Companies, and All Other 9.FTC Regional Office for region in which the creditor operates or
Creditors Not Listed Above Federal Trade Commission: Consumer Response Center – FCRA
Washington, DC 20580 (877) 382-4357