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The Fair Credit Reporting ActThe Fair Credit Reporting Act (FCRA) is a Federal law passed to regulate the use of your personal credit information as it relates to the Credit Bureaus and creditors. You have serveral rights under this law that allow us to be aggressive in pursuing the Credit Bureaus on your behalf.
The Fair Credit Reporting ActIntroduction§ 601 Short title § 602 Congressional findings and statement of purpose § 603 Definitions; rules of construction § 604 Permissible purposes of consumer reports § 605A Identity theft prevention; fraud alerts and active duty alerts § 605B Block of information resulting from identity theft § 605 Requirements relating to information contained in consumer reports § 606 Disclosure of investigative consumer reports § 607 Compliance procedures § 608 Disclosures to governmental agencies § 609 Disclosures to consumers § 610 Conditions and form of disclosure to consumers § 611 Procedure in case of disputed accuracy § 612 Charges for certain disclosures § 613 Public record information for employment purposes § 614 Restrictions on investigative consumer reports § 615 Requirements on users of consumer reports § 616 Civil liability for willful noncompliance § 617 Civil liability for negligent noncompliance § 618 Jurisdiction of courts; limitation of actions § 619 Obtaining information under false pretenses § 620 Unauthorized disclosures by officers or employees § 621 Administrative enforcement § 622 Information on overdue child support obligations § 623 Responsibilities of furnishers of information to consumer reporting agencies § 624 Affiliate sharing § 625 Relation to state laws § 626 Disclosures to FBI for counterintelligence purposes § 627 Disclosures to governmental agencies for counterterrorism purposes § 628 Disposal of records § 629 Corporate and technological circumvention prohibited |
