FEDERAL LAW · PRIMARY SOURCE
FCRA — Fair Credit Reporting Act Overview
Fair Credit Reporting Act · 15 U.S.C. § 1681 et seq.
The FCRA is the primary federal law governing your credit rights. It gives you the right to see your file, dispute errors, freeze your credit, and sue bureaus or furnishers that violate your rights.
Primary Statute
Fair Credit Reporting Act
15 U.S.C. § 1681 et seq.
The FCRA regulates the collection, dissemination, and use of consumer information by consumer reporting agencies. Key consumer rights: access to your file, right to dispute inaccuracies, removal of obsolete information after statutory time limits, fraud alert and credit freeze rights, and a private right of action for willful violations.
https://www.ftc.gov/legal-library/browse/statutes/fair-credit-reporting-act