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Fair Credit Reporting Act

The Fair Credit Reporting Act (FCRA) governs the activities of credit bureaus and creditors. Among other things, the FCRA requires:

  • Creditors to furnish accurate and complete information regarding your credit history.
  • Credit bureaus to investigate if you dispute an entry on your credit report. If your claim is valid, your report must be corrected.
  • That only people with a legitimate business purpose can obtain a copy of your credit report.

If you suspect a credit bureau is not complying with any of these laws, complain directly to the credit bureau. They may correct the problem. If not, contact the Consumer Financial Protection Bureau.