Helpful Resources

CFPB: Fair Credit Reporting Disclosures

https://www.consumerfinance.gov/policy-compliance/rulemaking/final-rules/fair-credit-reporting-act-disclosures/

CFPB Summary of Rights Under FCRA

https://files.consumerfinance.gov/f/201410_cfpb_summary_your-rights-under-fcra.pdf

What is a Credit Reporting Company?

https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-reporting-company-en-1251/

What is a Credit Report?

https://www.consumerfinance.gov/ask-cfpb/what-is-a-credit-report-en-309/

Bulletin re: furnisher Fair Credit Reporting Act (FCRA) obligation to have reasonable written policies and procedures

https://files.consumerfinance.gov/f/201602_cfpb_supervisory-bulletin-furnisher-accuracy-obligations.pdf

Bulletin re: the FCRA’s requirement to investigate disputes and review “all relevant” information

https://files.consumerfinance.gov/f/201309_cfpb_bulletin_furnishers.pdf

FTC Guidance: Consumer Reports: What Information Furnishers Need to Know

https://www.ftc.gov/system/files/documents/plain-language/pdf-0118_consumer-reports-what-information-furnishers-need-to-know_2018.pdf

https://www.ftc.gov/tips-advice/business-center/guidance/consumer-reports-what-information-furnishers-need-know#Introduction

FCRA Regulations (Regulation V)

https://www.ecfr.gov/cgi-bin/text-idx?SID=400d31e04b5cd9cbd730425fd8a20c93&mc=true&node=pt12.8.1022&rgn=div5#sp12.8.1022.e

Background screening reports and the FCRA: Just saying you’re not a consumer reporting agency isn’t enough

https://www.ftc.gov/news-events/blogs/business-blog/2013/01/background-screening-reports-fcra-just-saying-youre-not

Disputing Errors on Credit Reports

https://www.consumer.ftc.gov/articles/0151-disputing-errors-credit-reports

Appendix C to Part 698—Model Forms for Affiliate Marketing Opt-Out Notices

https://www.ecfr.gov/cgi-bin/text-idx?SID=000ebe4d6c736fd1c8ecdcaf4219f2a6&mc=true&node=ap16.1.698_13.c&rgn=div9

Appendix D to Part 698—Standardized form for requesting annual file disclosures.

https://www.ecfr.gov/cgi-bin/text-idx?SID=000ebe4d6c736fd1c8ecdcaf4219f2a6&mc=true&node=ap16.1.698_13.d&rgn=div9

Appendix E to Part 698—Summary of Consumer Identity Theft Rights

https://www.ecfr.gov/cgi-bin/text-idx?SID=000ebe4d6c736fd1c8ecdcaf4219f2a6&mc=true&node=ap16.1.698_13.e&rgn=div9

Appendix F to Part 698—General Summary of Consumer Rights

https://www.ecfr.gov/cgi-bin/text-idx?SID=000ebe4d6c736fd1c8ecdcaf4219f2a6&mc=true&node=ap16.1.698_13.f&rgn=div9

Appendix G to Part 698—Notice of Furnisher Responsibilities

https://www.ecfr.gov/cgi-bin/text-idx?SID=000ebe4d6c736fd1c8ecdcaf4219f2a6&mc=true&node=ap16.1.698_13.g&rgn=div9