LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619 5 of 5 Para informacion en espanol, visite xxx.xxx.xxx/xxxxxx o escribe a la FTC Consumer Response Center, Room 130-A 000 Xxxxxxxxxxxx Xxx. X.X., Xxxxxxxxxx, X.X. 00000. 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 xxx.xxx.xxx/xxxxxx or write to: Consumer Response Center, Xxxx 000-X, Federal Trade Commission, 000 Xxxxxxxxxxxx Xxx. X.X., Xxxxxxxxxx, X.X. 00000. • 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 identify 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, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See xxx.xxx.xxx/xxxxxx 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 xxx.xxx.xxx/xxxxxx 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 be 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 xxx.xxx.xxx/xxxxxx. • 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 from 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). • 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 to a consumer reporting agency violates the FCRA, you may be able to xxx in state or federal court. • Identity theft victims and active duty military personnel have additional rights. For more information, visit xxx.xxx.xxx/xxxxxx. 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. Federal enforcers are: TYPE OF BUSINESS: CONTACT: Consumer reporting agencies, creditors and others not listed below Federal Trade Commission: Xxxxxxxx Xxxxxxxx Xxxxxx - XXXX Xxxxxxxxxx, XX 00000 1-877-382-4357 National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name) Office of the Comptroller of the Currency Compliance Management, Mail Stop 6-6 Xxxxxxxxxx, XX 00000 800-613-6743 Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks) Federal Reserve Consumer Help (FRCH) X X Xxx 0000 Xxxxxxxxxxx, XX 00000 Telephone: 000-000-0000 Website Address: xxx.xxxxxxxxxxxxxxxxxxxxxxxxxx.xxx Email Address: XxxxxxxxXxxx@XxxxxxxXxxxxxx.xxx Savings associations and federally chartered savings banks (word "Federal" or initials "F.S.B." appear in federal institution's name) Xxxxxx xx Xxxxxx Xxxxxxxxxxx Xxxxxxxx Xxxxxxxxxx Xxxxxxxxxx, XX 00000 800-842-6929 Federal credit unions (words "Federal Credit Union" appear in institution's name) National Credit Union Administration 0000 Xxxx Xxxxxx Xxxxxxxxxx, XX 00000 703-519-4600 State-chartered banks that are not members of the Federal Reserve System Federal Deposit Insurance Corporation Consumer Response Center, 0000 Xxxxx Xxxxxx, Xxxxx 000 Xxxxxx Xxxx, Xxxxxxxx 00000-0000 1-877-275-3342 Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission Department of Transportation , Office of Financial Management Xxxxxxxxxx, XX 00000 202-366-1306 Activities subject to the Packers and Xxxxxxxxxx Xxx, 0000 Department of Agriculture Office of Deputy Administrator - GIPSA Xxxxxxxxxx, XX 00000 202-720-7051 Para informacion en espanol, visite xxx.xxx.xxx/xxxxxxx o escribe a la FTC, Consumer Response Center, Room 130-B, 000 Xxxxxxxxxxxx Xxxxxx, X.X. Xxxxxxxxxx, X.X., 00000. Remedying the Effects of Identity Theft You are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of identity theft. Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name. For more information, visit xxx.xxx.xxx/xxxxxxx or write to: FTC, Consumer Response Center, Room 130-B, 000 Xxxxxxxxxxxx Xxxxxx, X.X. Xxxxxxxxxx, X.X., 00000. The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft. Here is a brief summary of the rights designed to help you recover from identity theft.
Appears in 1 contract
Samples: End User Agreement
LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619 5 of 5 Para informacion en espanol, visite xxx.xxx.xxx/xxxxxx o escribe a la FTC Consumer Response Center, Room 130-A 000 Xxxxxxxxxxxx Xxx. X.X., Xxxxxxxxxx, X.X. 00000. A Summary of Your Rights Under the Fair Credit Reporting Act CONSUMER 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 renatl history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to xxx.xxx.xxx/xxxxxx or write to: Consumer Response Center, Xxxx 000-X, Federal Trade Commission, 000 Xxxxxxxxxxxx Xxx. X.X., Xxxxxxxxxx, X.X. 00000. • 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) a person has taken adverse action against you because of information in your credit report; • b) you are the victim of identify identity theft and place a fraud alert in your file; • c) your file contains inaccurate information as a result of fraud; • d) you are on public assistance; • e) you are unemployed but expect to apply for employment within 60 days. In addition, by effective September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See xxx.xxx.xxx/xxxxxx 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 xxx.xxx.xxx/xxxxxx for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete 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 be 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 xxx.xxx.xxx/xxxxxx. • 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 from 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)bureaus. • 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 to a consumer reporting agency violates the FCRA, you may be able to xxx sue in state or federal court. • Identity theft victims and active duty military personnel have additional rights. For more information, visit xxx.xxx.xxx/xxxxxx. States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, 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. Federal enforcers are: TYPE OF BUSINESS: CONTACT: Consumer reporting agencies, creditors and others not listed below Federal Trade Commission: Xxxxxxxx Xxxxxxxx Xxxxxx - XXXX Xxxxxxxxxx, XX 00000 1-877-382-4357 National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name) Office of the Comptroller of the Currency Compliance Management, Mail Stop 6-6 Xxxxxxxxxx, XX 00000 800-613-6743 Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks) Federal Reserve Consumer Help (FRCH) X X Xxx 0000 Xxxxxxxxxxx, XX 00000 Telephone: 000-000-0000 Website Address: xxx.xxxxxxxxxxxxxxxxxxxxxxxxxx.xxx Email Address: XxxxxxxxXxxx@XxxxxxxXxxxxxx.xxx Savings associations and federally chartered savings banks (word "Federal" or initials "F.S.B." appear in federal institution's name) Xxxxxx xx Xxxxxx Xxxxxxxxxxx Xxxxxxxx Xxxxxxxxxx Xxxxxxxxxx, XX 00000 800-842-6929 Federal credit unions (words "Federal Credit Union" appear in institution's name) National Credit Union Administration 0000 Xxxx Xxxxxx Xxxxxxxxxx, XX 00000 703-519-4600 State-chartered banks that are not members of the Federal Reserve System Federal Deposit Insurance Corporation Consumer Response Center, 0000 Xxxxx Xxxxxx, Xxxxx 000 Xxxxxx Xxxx, Xxxxxxxx 00000-0000 1-877-275-3342 Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission Department of Transportation , Office of Financial Management Xxxxxxxxxx, XX 00000 202-366-1306 Activities subject to the Packers and Xxxxxxxxxx Xxx, 0000 Department of Agriculture Office of Deputy Administrator - GIPSA Xxxxxxxxxx, XX 00000 202-720-7051 Para informacion en espanol, visite xxx.xxx.xxx/xxxxxxx o escribe a la FTC, Consumer Response Center, Room 130-B, 000 Xxxxxxxxxxxx Xxxxxx, X.X. Xxxxxxxxxx, X.X., 00000. Remedying the Effects of Identity Theft You are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of identity theft. Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name. For more information, visit xxx.xxx.xxx/xxxxxxx or write to: FTC, Consumer Response Center, Room 130-B, 000 Xxxxxxxxxxxx Xxxxxx, X.X. Xxxxxxxxxx, X.X., 00000. The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft. Here is a brief summary of the rights designed to help you recover from identity theft.APPENDIX C
Appears in 1 contract
Samples: Member Agency Agreement
LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619 5 Prescribed Summary of 5 Para informacion en espanolConsumer Rights The prescribed form for this summary is as a separate document, visite xxx.xxx.xxx/xxxxxx o escribe a la FTC Consumer Response Centeron paper no smaller than 8x11 inches in size, Room 130with text no less than 12-point type (8-point for the chart of federal agencies), in bold or capital letters as indicated. The form in this appendix prescribes both the content and the sequence of items in the required summary. A 000 Xxxxxxxxxxxx Xxx. X.X.summary may accurately reflect changes in numerical items that change over time (e.g., Xxxxxxxxxxdollar mounts, X.X. 00000or phone numbers and addresses of federal agencies), and remain in compliance. A Summary of Your Rights Under the Fair Credit Reporting Act The federal Fair Credit Reporting Act (FCRA) promotes the is designed to promote accuracy, fairness, and privacy of information in the files of every "consumer reporting agenciesagency" (CRA). There Most CRAs are many types of consumer reporting agencies, including credit bureaus that gather and specialty agencies (such as agencies that sell information about check writing historiesyou -- such as if you pay your bills on time or have filed bankruptcy -- to creditors, medical recordsemployers, landlords, and rental history records)other businesses. Here is a summary You can find the complete text of your major rights under the FCRA. For more information, including information about additional rights15 U.S.C. 1681-1681u, go to xxx.xxx.xxx/xxxxxx or write to: Consumer Response Center, Xxxx 000-X, at the Federal Trade Commission's web site (xxxx://xxx.xxx.xxx). The FCRA gives you specific rights, 000 Xxxxxxxxxxxx Xxxas outlined below. X.X., Xxxxxxxxxx, X.X. 00000You may have additional rights under state law. • You may contact a state or local consumer protection agency or a state attorney general to learn those rights. You must be told if information in your file has been used against you. Anyone who uses information from a credit report or another type of consumer report CRA to deny your take action against you -- such as denying an 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 CRA that provided the informationconsumer report. • You have the right to know can find out what is in your file. You may request and obtain all At your request, a CRA must give you the information about you in your file, and a list of everyone who has requested it recently. There is no charge for 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: • report if a person has taken adverse action against you because of information in your credit report; • supplied by the CRA, if you request the report within 60 days of receiving notice of the action. You also are entitled to one free report every twelve months upon request if you certify that (1) you are unemployed and plan to seek employment within 60 days, (2) you are on welfare, or (3) your report is inaccurate due to fraud. Otherwise, a CRA may charge you up to eight dollars. You can dispute inaccurate information with the victim of identify theft and place CRA. If you tell a fraud alert in your file; • CRA that 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, by September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See xxx.xxx.xxx/xxxxxx 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 CRA must investigate the items (usually within 30 days) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. See xxx.xxx.xxx/xxxxxx for an explanation of dispute proceduresThe source must review your evidence and report its findings to the CRA. • Consumer reporting agencies (The source also 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 advise national CRAs -- to report information which 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 provided the data -- 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 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 xxx.xxx.xxx/xxxxxx. • 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 from 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). • 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 to a consumer reporting agency violates the FCRA, you may be able to xxx in state or federal court. • Identity theft victims and active duty military personnel have additional rights. For more information, visit xxx.xxx.xxx/xxxxxx. 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. Federal enforcers are: TYPE OF BUSINESS: CONTACT: Consumer reporting agencies, creditors and others not listed below Federal Trade Commission: Xxxxxxxx Xxxxxxxx Xxxxxx - XXXX Xxxxxxxxxx, XX 00000 1-877-382-4357 National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name) Office of the Comptroller of the Currency Compliance Management, Mail Stop 6-6 Xxxxxxxxxx, XX 00000 800-613-6743 Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks) Federal Reserve Consumer Help (FRCH) X X Xxx 0000 Xxxxxxxxxxx, XX 00000 Telephone: 000-000-0000 Website Address: xxx.xxxxxxxxxxxxxxxxxxxxxxxxxx.xxx Email Address: XxxxxxxxXxxx@XxxxxxxXxxxxxx.xxx Savings associations and federally chartered savings banks (word "Federal" or initials "F.S.B." appear in federal institution's name) Xxxxxx xx Xxxxxx Xxxxxxxxxxx Xxxxxxxx Xxxxxxxxxx Xxxxxxxxxx, XX 00000 800-842-6929 Federal credit unions (words "Federal Credit Union" appear in institution's name) National Credit Union Administration 0000 Xxxx Xxxxxx Xxxxxxxxxx, XX 00000 703-519-4600 State-chartered banks that are not members of the Federal Reserve System Federal Deposit Insurance Corporation Consumer Response Center, 0000 Xxxxx Xxxxxx, Xxxxx 000 Xxxxxx Xxxx, Xxxxxxxx 00000-0000 1-877-275-3342 Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission Department of Transportation , Office of Financial Management Xxxxxxxxxx, XX 00000 202-366-1306 Activities subject to the Packers and Xxxxxxxxxx Xxx, 0000 Department of Agriculture Office of Deputy Administrator - GIPSA Xxxxxxxxxx, XX 00000 202-720-7051 Para informacion en espanol, visite xxx.xxx.xxx/xxxxxxx o escribe a la FTC, Consumer Response Center, Room 130-B, 000 Xxxxxxxxxxxx Xxxxxx, X.X. Xxxxxxxxxx, X.X., 00000. Remedying the Effects of Identity Theft You are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of identity theft. Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name. For more information, visit xxx.xxx.xxx/xxxxxxx or write to: FTC, Consumer Response Center, Room 130-B, 000 Xxxxxxxxxxxx Xxxxxx, X.X. Xxxxxxxxxx, X.X., 00000. The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft. Here is a brief summary of the rights designed to help you recover from identity theft.any
Appears in 1 contract
Samples: Credit Scoring Services Agreement
LIABILITY FOR VIOLATIONS OF THE FCRA. Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. Sections 616, 617, and 621. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution. Section 619 5 of 5 Para informacion en espanol, visite xxx.xxx.xxx/xxxxxx o escribe a la FTC Consumer Response Center, Room 130-A 000 Xxxxxxxxxxxx Xxx. X.X., Xxxxxxxxxx, X.X. 00000. A Summary of Your Rights Under the Fair Credit Reporting Act CONSUMER 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 renatl history records). Here is a summary of your major rights under the FCRA. For more information, including information about additional rights, go to xxx.xxx.xxx/xxxxxx or write to: Consumer Response Center, Xxxx 000-X, Federal Trade Commission, 000 Xxxxxxxxxxxx Xxx. X.X., Xxxxxxxxxx, X.X. 00000. • 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) a person has taken adverse action against you because of information in your credit report; • b) you are the victim of identify identity theft and place a fraud alert in your file; • c) your file contains inaccurate information as a result of fraud; • d) you are on public assistance; • e) you are unemployed but expect to apply for employment within 60 days. In addition, by effective September 2005 all consumers will be entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See xxx.xxx.xxx/xxxxxx 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 xxx.xxx.xxx/xxxxxx for an explanation of dispute procedures. • Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete 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 be 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 xxx.xxx.xxx/xxxxxx. • 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 from 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)bureaus. • 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 to a consumer reporting agency violates the FCRA, you may be able to xxx in state or federal court. • Identity theft victims and active duty military personnel have additional rights. For more information, visit xxx.xxx.xxx/xxxxxx. States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, 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. Federal enforcers are: TYPE OF BUSINESS: CONTACT: Consumer reporting agencies, creditors and others not listed below Federal Trade Commission: Xxxxxxxx Xxxxxxxx Xxxxxx - XXXX Xxxxxxxxxx, XX 00000 1-877-382-4357 National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name) Office of the Comptroller of the Currency Compliance Management, Mail Stop 6-6 Xxxxxxxxxx, XX 00000 800-613-6743 Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks) Federal Reserve Consumer Help (FRCH) X X Xxx 0000 Xxxxxxxxxxx, XX 00000 Telephone: 000-000-0000 Website Address: xxx.xxxxxxxxxxxxxxxxxxxxxxxxxx.xxx Email Address: XxxxxxxxXxxx@XxxxxxxXxxxxxx.xxx Savings associations and federally chartered savings banks (word "Federal" or initials "F.S.B." appear in federal institution's name) Xxxxxx xx Xxxxxx Xxxxxxxxxxx Xxxxxxxx Xxxxxxxxxx Xxxxxxxxxx, XX 00000 800-842-6929 Federal credit unions (words "Federal Credit Union" appear in institution's name) National Credit Union Administration 0000 Xxxx Xxxxxx Xxxxxxxxxx, XX 00000 703-519-4600 State-chartered banks that are not members of the Federal Reserve System Federal Deposit Insurance Corporation Consumer Response Center, 0000 Xxxxx Xxxxxx, Xxxxx 000 Xxxxxx Xxxx, Xxxxxxxx 00000-0000 1-877-275-3342 Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission Department of Transportation , Office of Financial Management Xxxxxxxxxx, XX 00000 202-366-1306 Activities subject to the Packers and Xxxxxxxxxx Xxx, 0000 Department of Agriculture Office of Deputy Administrator - GIPSA Xxxxxxxxxx, XX 00000 202-720-7051 Para informacion en espanol, visite xxx.xxx.xxx/xxxxxxx o escribe a la FTC, Consumer Response Center, Room 130-B, 000 Xxxxxxxxxxxx Xxxxxx, X.X. Xxxxxxxxxx, X.X., 00000. Remedying the Effects of Identity Theft You are receiving this information because you have notified a consumer reporting agency that you believe that you are a victim of identity theft. Identity theft occurs when someone uses your name, Social Security number, date of birth, or other identifying information, without authority, to commit fraud. For example, someone may have committed identity theft by using your personal information to open a credit card account or get a loan in your name. For more information, visit xxx.xxx.xxx/xxxxxxx or write to: FTC, Consumer Response Center, Room 130-B, 000 Xxxxxxxxxxxx Xxxxxx, X.X. Xxxxxxxxxx, X.X., 00000. The Fair Credit Reporting Act (FCRA) gives you specific rights when you are, or believe that you are, the victim of identity theft. Here is a brief summary of the rights designed to help you recover from identity theft.APPENDIX C
Appears in 1 contract
Samples: Member Agency Agreement
