A summary of consumer rights under FCRA

Last updated Jan 13, 2020

Disclaimer: This website is neither an exhaustive summary of the Fair Credit Reporting Act (FCRA) nor legal advice for you to use in complying with it. Instead, it provides background information to help you better understand the FCRA and how it can apply to your business. This legal information is not the same as legal advice, where an attorney applies the law to your specific circumstances, so you should consult an attorney if you’d like advice on your interpretation of this information or its accuracy. You may not rely on this paper as legal advice, nor as an endorsement of any particular legal understanding.

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).

The following is a list of consumer rights under the FCRA:

  • Consumers must be told if information in their file will be used against them.
  • Consumers have the right to know what is in their file.
  • Consumers have the right to ask for a credit score.
  • Consumers have the right to dispute information or inaccurate information.
  • Consumer reporting agencies must correct or delete incomplete or unverifiable information.
  • Consumer reporting agencies may not report outdated, negative information.
  • Consumers access to files are limited.
  • Consumers must give consent for reports to be provided to employers.
  • Consumers may limit “prescreened” offers of credit and insurance based on information in their credit report.
  • Consumers may seek damages for violators.
  • Identity theft victims and active duty military personnel have additional rights.

Continue to FCRA Litigation, or jump to a different article.

  1. Fundamentals of The Fair Credit Reporting Act (FCRA)
  2. Industry Players Under FCRA
  3. Accuracy and Reasonable Procedures
  4. FCRA Permissible Purpose
  5. Adverse Action Notification
  6. Reinvestigation, Disclosures, Disposal of Consumer Information
  7. What is a Consumer Report?
  8. A summary of consumer rights under FCRA
  9. FCRA Litigation
  10. State Versions of FCRA and FCRA California