If you tell us verbally, we may require that you send your complaint in
writing within ten (10) Business Days after your verbal notification. We
will tell you the results of our investigation within ten (10) Business Days
after we hear from you, and will correct any error promptly. However, if
we require more time to confirm the nature of your complaint or question, we
reserve the right to take up to ninety (90) days to complete our investigation.
If it is determined there was no error we will mail you a written explanation
within three (3) Business Days after completion of our investigation. You
may ask for copies of documents used in our investigation.
Any payment(s) the Service has already earned or processed before the
requested cancellation date will be completed by the Service. The Service
may terminate or suspend Service to you at any time. Neither termination
nor suspension shall affect Your liability or obligations under this Agreement.Also, see the paragraph pertaining to EARLY TERMINATION.
• You must be told if the 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 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 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.
• 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 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.
The Summary of Your Rights provided above does not reflect certain amendments contained in the
Consumer Reporting Employment Clarification Act of 1998. The following additional information
may be important for you:
• Records of convictions of crimes can be reported regardless of when they occurred.