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Users of Consumer Reports
Lawyers.comsmIf someone has been using your financial information without your authorization and is ruining your life, there are some things that you should know about the use of credit reports or consumer reports. Users of consumer reports, such as auto dealers, real estate companies, banks and potential employers, are required by law to notify you if they take an adverse action against you on the basis of a credit report.
Notice Requirements for Users of Consumer Reports
The Fair Credit Reporting Act (FCRA) requires that users of credit reports provide notifications to you, the consumer, if the user takes an "adverse action" against you. An adverse action includes:
- A denial or revocation of credit
- A change in the terms of an existing credit arrangement
- A refusal to grant credit in substantially the amount or on substantially the terms requested
- A denial or cancellation of insurance, or an unfavorable change in the terms of any insurance, existing or applied for
- A denial of employment or any other decision for employment purposes that adversely affects you
- A denial or cancellation of any governmental benefit, or any unfavorable change in the terms of any license or other governmental benefit
- An unfavorable action taken or determination made on your consumer account
If any person takes an adverse action against you that is based on information contained in a consumer report, that person must:
- Provide notice of the adverse action to you
- Provide you with the name, address and telephone number of the consumer reporting agency that furnished the report
- Provide you with a statement that the consumer reporting agency did not make the decision to take adverse action and is unable to provide you with the specific reasons why the adverse action was taken, and
- Provide you with a notice of your right to obtain a free copy of your consumer report from the consumer reporting agency within 60 days after you receive notice of the adverse action and to dispute with the agency the accuracy of any information contained in the report
Related Resources on Lawyers.comsm
- Fraud Alerts, Fraud Reports and Credit Freezes- How to Protect Yourself and Minimize Identity Theft
- Consumer Law FAQ
- Consumer Law articles and information
- Find a Consumer Law Attorney near you
- Visit our Credit and Collection Problems or General Consumer Rights for more help
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