Para informacion en espaol, vste wv-consumerfinance.eoJeasumore 0 escribe ala Consumer Financial Protection Bureau, 1700 G Street N.W,, Washingion, DC 20832 A Summary of Your Rights Under the Fair Credit Reporting Act ‘The federal Fair Croat Reporting Act (FCRA) promotes the accursy,faimess and privacy of information inthe files of consumer reporting agencies. There are many types of ‘Consumer eporting agencies, including credit bureaus and specialty agencies (uch as agencies ‘hat sell information about check writing histories, medical records, and rental history econ). Here is @suramary of your major rights under FCRA. For more information, including information about additional rights, go to wwvn.consumerfinancegov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20582 ‘+ You must be told if information in your file has been used against you. Anyone who uses a credit report another type of consumer report to deny your application for credit, insurance, or employment ~ oro take another adverse action agnnst you~ mat tll you, and must give you the name, adress and phone number ofthe agency thet provided the information, ‘+ You have the right to know what isin your file. You may request and obtain all the information about you in the files of a consumer reporting agency (your “file disclosure"). You willbe requited to provide proper identiiation, which may include your Social Security number. In many cases, the disclosure willbe fee. You ae entitled io a five fle disclosure if © person has taken adverse action against you because of information in your credit report; ‘you ate the victim of identity theft and place a fraud alr in your ile; {your file contains inaccurate information asa result of fraud; you ar on public assistance, you are unemployed but expect to apply for employment within 60 days. In addition, all consumers are entitled to one fee disclosure every 12 months upon request fom ezch nationwide credit bureau and from nationwide specialty contumer reporting agencies. See www consume finance gov leanne for addtional information ‘© You have the right to ask fora credit score. Credit scores are numerical surmaties of your credit-worthiness based on information fiom credit bureaus. You may request 8 credit score fom consumer reporting agencies that create scores or distbute scores used in residential real property loans, but you will have to pay fori. Insome montage transactions, you will eceve ret score information for free from the mortgage lender. + You have the right to dispute incomplete or inaccurate information. If you identify information in your fle that is incomplete or inaccurate, ad epor ito the consumerreporting agency, the agency must investigate unless your disput is frivolous. See ‘shew.consumerfinance-gov Iammore for an explanation of dispute procedures. ‘Consumer reporting ageacies must corrector delete inaccurate, incomplete, or ‘unverifiable information. inaceurate 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 aeyutive information. ‘most cases, Consumer reporting agency may not epart negative information tht is ‘more than seven years old, or bankruptcies that are mor than 10 years old. ‘Access to your file i limited. A consumer reporting agency may provide information| about you only to people with a valid need - usually b) consider an application with 2 ‘rela, insurer, employe, 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 employers. A consumer reporting ageney may nt give out information about you to your employer, oF potenti ‘employer, without your written consent given tothe employer. Written consent generally {snot required in the tracking industry. For more infermation, go to swwv.consumerfinance gov leammore. ‘You may Limit “presereened” offers of credit and insurance you get based on information in your eredit report. Unsolicited “prescreened” offers for credit and {ngurance must include a toll-fee phone number you can call if you choose to remove ‘your name and address form the ists these offers are based on. You may opt out with the ‘nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688), “The following FCRA right applies with rexpect to nationwide consumer reporting agencies: CConsuntens HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE ‘You have a right to place a “security freeze” on your credit report, which will probibit a consumer reporting agency from releasing information in your credit ‘eport without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. Hlowever, you shouldbe aware that using a security feeze to take control over who gets socess tthe personal and financial information in your credit report may delay, interfere With or prohibit the timely approval of any subsequent requestor application you make regarding a new lon, credit, mortgage, or any other count involving the extension of ret ‘Asan altematve toa security freze, you have the right to place an inital or extended fraud alert on your credit fle at no cost An intial faud ale isa I-year alert thatsplaced ona consumer's credit file. Upon seeing a fraud alert display ona consumer's tredit file, business i required to take steps to verify the consumer's entity before extending new credit. Ifyou area victim of identity theft, you are ended to an extended fraud alert, which is fraud alert nsting 7 yeas A security freeze does aot apply to «person o entity, oF is affiliates, o collection ‘agencies acting on bekalf ofthe person or entity, with which you have an existing ‘account that requests information in your credit report forthe purposesof reviewing or collecting the account. Reviewing the account includes activities related to account ‘maintenance, monitoring, credit ine increases, snd account upgrades and enhancements. ‘You may seek damages from violators. Ifa consumer reporting agercy, or, in some cises, a urer of consumer reports ora furnisher of information to @ consumer reporting ‘agency violates the FCRA, you may beable to sue in state o federal court ‘+ Identity theft victims and active duty military personnel have addtional rights. For ‘more information, visit wos. consumerfnance.v leammor. ‘States may enforce the FCRA, and many states have their own consumer reporting laws. Ta some eases, you may have more rights under state law. For more information, contact your state of local consumer protection agency or your state Attorney General, For Information about your federal rights, contact:‘TYPE OF BUSINESS: CONTACT tet of over S10 biion ater alates Sic alates tht te ot banks, savings assocons. of [R:Towe ence at inouded ahem Tahoe 4 National Hanks fer saving scion and eat Trances and fel agencies offre aks ' Stale member banks, branes ad agencies of feign bans (ote than federal bch, oer agence, mre Ste ‘Biante of Foreign Bans), commersal ening compaies ‘pasting her anton 5 of 25 ofthe Feder Reserve Act. « Nonmenter sre Bans, nse Sate Branches of Foreign Bars and nar sate savings asocions (Federal Crt Unions Avene ~, Conner Fada Preeton Bars Washington, OC 20852 Federal Tre Crmison ‘Cnsuter Reson! Cente Washington, Dc 2080 amaseaisr _ Of of he Conger ofthe Gurney TSO1 MeKinney Set Sate 3450, Houston, 1 770169030. Fedral Reserve Consumer HelpCenter 0, Box 1200 6. FDIC Consumer Response Cater, Kansas iy MO 61106 Die of Conse Financ! Protesion (OCFP) Division f Censuner Compince Ply snd Oreck Alexandr, VA2516 ‘Ast. General Coun fo Avion Eforceneni & Proseins | ‘Avision Consume rtecton Divison Depart of Tarps 1200 New Jase Avene, SE. Washington DC 2590 “Crews Saja he Sas Wansparation Board [Eicredtos Sabjesto he Paes nd Stns Aa 1921 ‘Os ofProceedigs, Sutice Tanporation Board Depart ot Traore SE Stren SW, Washington DC 2003 ‘Nees Packers an Stoakyards Admiiavaon wea eS 6 Small Business Tavestent Companies "Aosite Dest Adiniator fo Copal Aces ‘ted Stes Srl Busnes Administ 409 Ted Sweet SW Sue £200 Waetngon, DC2816 7 Brokers and Der TOO F seeet NE Washnglon, DC2540, Fedral Land Boa Fedo! Land Bak Associations, Feder need ret Bank, and Frofacton Crest Farm rei Admiiroion 9. Repilers, Fosse Companion and All Oi Gedo No Consumer Response Center Washingon, Dc 2380, arses