Para información en español, visite www.consumerfinance.

gov/learnmore o escribe al Consumer Financial Protection Bureau, 1700

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
www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC
20552.

• 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
o su e epo ti g age y you file dis losu e . You ill e e ui ed to p o ide p ope ide tifi atio , 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 identity 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, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau
and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore 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
www.consumerfinance.gov/learnmore 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 www.consumerfinance.gov/learnmore.

• You ay li it pres ree ed offers of redit a d i sura e you get ased o i for atio i your redit report. Unsolicited
p es ee ed offe s fo edit a d i su a e ust i lude 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).

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CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE

You have a right to place a ''security freeze'' on your credit report, which will prohibit a consumer reporting agency from
releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit,
loans, and services from being approved in your name without your consent. However, you should be aware that using a security
freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere
with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage,
or any other account involving the extension of credit.

As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost.
An initial fraud alert is a 1-year alert that is placed on a consumer's credit file. Upon seeing a fraud alert display on a consumer's
credit file, a business is required to take steps to verify the consumer's identity before extending new credit. If you are a victim of
identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.

A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or
entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or
collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line
increases, and account upgrades and enhancements.

• 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 sue in state or federal court.

• Identity theft victims and active duty military personnel have additional rights. For more information, visit
www.consumerfinance.gov/learnmore.

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. For
information about your federal rights, contact:

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1.a. Banks, savings associations, and credit unions with total a. Consumer Financial Protection Bureau
assets of over $10 billion and their affiliates 1700 G Street, N.W.
Washington, DC 20552

b. Such affiliates that are not banks, savings associations, or b. Federal Trade Commission
credit unions also should list, in addition to the CFPB: Consumer Response Center
600 Pennsylvania Avenue, N.W.
Washington, DC 20580
(877) 382-4357
2. To the extent not included in item 1 above: a. 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 banks b. Federal Reserve Consumer Help Center
(other than federal branches, federal agencies, and Insured P.O. Box 1200
State Branches of Foreign Banks), commercial lending Minneapolis, MN 55480
companies owned or controlled by foreign banks, and
organizations operating under section 25 or 25A of the Federal c. FDIC Consumer Response Center
Reserve Act. 1100 Walnut Street, Box #11
Kansas City, MO 64106
c. Nonmember Insured Banks, Insured State Branches of
Foreign Banks, and insured state savings associations d. National Credit Union Administration
Office of Consumer Financial Protection (OCFP)
d. Federal Credit Unions Division of Consumer Compliance Policy and Outreach
1775 Duke Street
Alexandria, VA 22314
3. Air carriers Asst. General Counsel for Aviation Enforcement & Proceedings
Aviation Consumer Protection Division
Department of Transportation
1200 New Jersey Avenue, S.E.
Washington, DC 20590
4. Creditors Subject to the Surface Transportation Board Office of Proceedings, Surface Transportation Board
Department of Transportation
395 E Street, S.W.
Washington, DC 20423
5. Creditors Subject to the Packers and Stockyards Act, 1921 Nearest Packers and Stockyards Administration area supervisor
6. Small Business Investment Companies Associate Deputy Administrator for Capital Access
United States Small Business Administration
409 Third Street, S.W., Suite 8200
Washington, DC 20416
7. Brokers and Dealers Securities and Exchange Commission
100 F Street, N.E.
Washington, DC 20549
8. Federal Land Banks, Federal Land Bank Associations, Federal Farm Credit Administration
Intermediate Credit Banks, and Production Credit Associations 1501 Farm Credit Drive
McLean, VA 22102-5090
9. Retailers, Finance Companies, and All Other Creditors Not Federal Trade Commission
Listed Above Consumer Response Center
600 Pennsylvania Avenue, N.W.
Washington, DC 20580
(877) 382-4357

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