Resources for Consumers

Getting a FREE Copy of Your Credit Report

An amendment to the Federal Fair Credit Reporting Act requires each of the nationwide consumer reporting companies-Equifax, Experian, and TransUnion-to provide you with a free copy of your credit report, at your request, once every 12 months. You can get an annual free copy of your credit report online by going to annualcreditreport.com

Equifax Breach 2017

Stay informed! Read about the Equifax Data Breach here!

Disputes Related to Your Credit Report

If you have a question regarding a credit inquiry that appears on your credit report by Alliance 2020 or any question related to a report compiled by Alliance 2020, please call 800-289-8065 or email compliance@alliance2020.com

The Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy for information in the files of every “consumer reporting agency” (CRA). You can find the complete text of the FCRA, 15 U.S.C. 1681-1681U, at the Federal Trade Commission’s website-www.ftc.gov. The FCRA gives you specific rights as a consumer. You may have additional rights under state law. You may contact a state or local consumer protection agency or state attorney general to learn those rights.

The FCRA also provides you the right to “Opt Out”, to prevent your credit information from being offered to other companies not initiated by you.

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.ftc.gov/credit or write to: Consumer Response Center, Room 130-A, Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580.

  • 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 www.ftc.gov/credit 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.ftc.gov/credit 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.ftc.gov/credit.
  • 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 sue in state or federal court.
  • Identity theft victims and active duty military personnel have additional rights. For more information, visit www.ftc.gov/credit.

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: Consumer Response Center – FCRA

Washington, DC 20580

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 Washington, DC 20219

800-613-6743

Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks)

Federal Reserve Consumer Help (FRCH)

P O Box 1200 Minneapolis, MN 55480

888-851-1920

www.federalreserveconsumerhelp.gov

ConsumerHelp@FederalReserve.gov

Savings associations and federally chartered savings banks (word “Federal” or initials “F.S.B.” appear in federal institution’s name)

Office of Thrift Supervision Consumer Complaints

Washington, DC 20552

800-842-6929

Federal credit unions (words “Federal Credit Union” appear in institution’s name)

National Credit Union Administration

1775 Duke Street Alexandria, VA 22314

703-519-4600

State-chartered banks that are not members of the Federal Reserve System

Federal Deposit Insurance Corporation Consumer Response Center

2345 Grand Avenue, Suite 100 Kansas City, Missouri 64108-2638

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

Washington, DC 20590

202-366-1306

Activities subject to the Packers and Stockyards Act, 1921

Department of Agriculture Office of Deputy Administrator – GIPSA

Washington, DC 20250

202-720-7051

The mission of the CFPB is to make markets for consumer financial products and services work or Americans – whether they are applying for a mortgage, choosing among credit cards, or using any number of other consumer financial products

Experian call 888-397-3742 or www.experian.com/freeze
Trans Union call 888-909-8872
Equifax To place a freeze 800-525-6285
To Temporarily lift a freeze -888-298-0045
To Permanently lift a freeze- must be done in writing

Credit Bureau Contact Information


Transunion

PO Box 1000, Chester, PA 19022
800-888-4213
transunion.com/myoptions

Equifax

PO Box 740241, Atlanta, GA 30348
800-685-1111
equifax.com/fcra

Experian

PO Box 2002, Allen, TX 75013
888-397-3742
experian.com/reportaccess