The section of the California CCRAA, which are your rights under this new law, are set out below in full.
“Each consumer Credit Reporting Company which furnishes a pre-qualifying report pursuant to subdivision (b) in connection with a credit transaction not initiated by the consumer shall establish and maintain a notification system, including a toll-free telephone number, which permits any consumer, with appropriate identification and for which the consumer Credit Reporting Company has a file, to notify the consumer Credit Reporting Company of the consumer’s election to have the consumer’s name and address removed from any list of names and addresses provided by the consumer Credit Reporting Company.” FactorTrust has established and maintains the following toll-free telephone number: 1-844-773-3321
“You have a right to obtain a copy of your credit file from a consumer Credit Reporting Company. You may be charged a reasonable fee not exceeding eight dollars ($8). There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The consumer Credit Reporting Company must provide someone to help you interpret the information in your credit file.
You have a right to dispute inaccurate information by contacting the consumer Credit Reporting Company directly. However, neither you nor any credit repair company or credit service organization has the right to have accurate, current, and verifiable information removed from your credit report. Under the Federal Fair Credit Reporting Act, the consumer Credit Reporting Company must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for 10 years.
If you have notified a Credit Reporting Company in writing that you dispute the accuracy of information in your file, the consumer Credit Reporting Company must then, within 30 business days, reinvestigate and modify or remove inaccurate information. The consumer Credit Reporting Company may not charge a fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the consumer Credit Reporting Company.
If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer Credit Reporting Company to keep in your file, explaining why you think the record is inaccurate. The consumer Credit Reporting Company must include your statement about disputed information in a report it issues about you.
You have a right to receive a record of all inquiries relating to a credit transaction initialed in six months preceding your request. This record shall include the recipients of any consumer credit report.
You may request in writing that the information contained in your file not be provided to a third party for marketing purposes.
You have a right to bring civil action against anyone who improperly obtains access to a file or knowingly or willfully misuses the file data.”
Statement of Rights of the Consumer
As a resident of the State of Maryland, you have the following rights as a consumer under the laws of the State of Maryland relating to consumer credit information.
You have the right to request, in writing, that a consumer reporting agency restrict the sale or other transfer of information in your credit file to:
A mail-service organization;
A marketing firm; or
Any other similar organization that obtains information about a consumer for marketing purposes.
You have a right, upon request and proper identification, to receive from a consumer reporting agency an exact copy of any credit file on you, including a written explanation of codes or trade language used in the report.
You have a right to receive disclosure of information in your credit file during normal business hours:
In person, upon furnishing proper identification.
By telephone, if you make written request with proper identification, and toll charges, if any, are charged to you.
In writing, if you make written request and furnish proper identification.
You may be accompanied by one other person of your choosing, who must furnish reasonable identification, and the consumer reporting agency may require a written statement from you granting permission to discuss your credit information in this person’s presence.
You have a right to dispute the completeness or accuracy of any item of information contained in your credit file, and if you convey the dispute in writing, the consumer reporting agency will, within 30 days, reinvestigate and record the current status of that information, unless it has reasonable grounds to believe that the dispute is frivolous or irrelevant.
If, after reinvestigation, the information you disputed is found to be inaccurate or cannot be verified, the consumer reporting agency will delete the information and mail to you a written notice of the correction and will also mail to each person to whom the erroneous information was furnished written notice of the correction. You will also be sent a written notice if the information you disputed is found to be accurate or is verified.
You have 60 days after receiving notice of correction or other findings to request in writing that the consumer reporting agency furnish you with the name, address, telephone number of each creditor contacted during its reinvestigation, and it will provide this information to you within 30 days after receiving your request.
If the reinvestigation does not resolve your dispute, you may file with the consumer reporting agency a brief statement of not more than 100 words, setting forth the nature of your dispute. This statement will be placed on your credit file, and in any subsequent report containing the information you dispute. It will be clearly noted that the information has been disputed by you, and your statement or a clear and accurate summary of it will be provided with that report.
Following deletion of any information you disputed that is found to be inaccurate or could not be verified, at your request, the consumer reporting agency will furnish notification of the information deleted or your statement, or statement summary, to any person you designate who has received your report within the past two years for employment purposes, or within the past one year for any other purpose.
Under the law, you will not be charged for any of the information requested nor for our handling of the information you dispute, nor for the corrected reports resulting from our handling. Under the law, you may be charged a fee not to exceed $5 for a second or subsequent report requested by you during a 12-month period.
You have a right to file a complaint with the Commissioner of Financial Regulation, State of Maryland, if you have reason to believe that this law or any other law regulating consumer credit reporting has been violated, and the Commissioner will thoroughly inspect and investigate your complaint. The name, address, and telephone number of the Office of the Commissioner of Financial Regulation is: Commissioner of Financial Regulation; State of Maryland, 500 North Calvert Street, Suite 402; Baltimore, Maryland 21202; or call (888) 784-0136.
Under Vermont law, you are allowed to receive one free copy of your credit report every 12 months from each Credit Reporting Company. If you would like to obtain your free credit report from FactorTrust, you should contact us by writing to:
P.O. Box 3653
Alpharetta, Georgia 30023
Or you may call 1-866-910-8497
Under Vermont law, no one may access your credit report without your permission except under the following limited circumstances:
in response to a court order;
for direct mail offers of credit;
if you have given ongoing permission and you have an existing relationship with the person requesting a copy of your credit report;
where the request for a credit report is related to an education loan made, guaranteed, or serviced by the Vermont Student Assistance Corporation;
where the request for a credit report is by the Office of Child Support Services when investigating a child support case;
where the request for a credit report is related to a credit transaction entered into prior to January 1 1993; and
where the request for a credit report is by the Vermont State Tax Department and is used for the purpose of collecting or investigating delinquent taxes.
If you believe a law regulating consumer credit reporting has been violated, you may file a complaint with the Vermont Attorney General’s Consumer Assistance Program, 102 Morrill Hall, 146 University Place, Burlington, Vermont 05405. Telephone number (800) 649-2424 or (802) 656-3183.