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Notice of Increase in Charge for CreditBased on Information Received from Person Other Than Consumer Reporting Agency

Notice of Increase in Charge for CreditBased on Information Received from Person Other Than Consumer Reporting Agency

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the Fair Credit Reporting Act as a federal law that regulates the collection dissemination and use of consumer credit information the ACT aims to ensure accuracy fairness and privacy of information contained in credit reports under the fcra consumers have the right to request and obtain a free copy of their credit report from each of the three major credit reporting agencies Equifax Experian and Transunion once every 12 months the fcra also requires credit reporting agencies to investigate and correct any inaccuracies or errors on a consumer's credit report it sets limits on how long negative information such as late payments or bankruptcies can stay on a credit report additionally the fcra regulates who can access a consumer's credit report and for what purposes generally only entities with a legitimate need for the information such as lenders or employers are allowed to access a consumer's credit report violations of the fcra can result in legal action and fin

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