California
Connecticut
Maryland
Massachusetts
Texas
Washington
California
Although Blake Drives is not a consumer credit reporting agency, you have a right to obtain a copy of your credit file from a consumer credit reporting agency. Such agency may charge you a reasonable fee not exceeding eight dollars ($8). There is no fee, however, if you have been turned down for credit, employment, insurance, or a rental dwelling because of information in your credit report within the preceding 60 days. The consumer credit reporting agency must provide someone to help you interpret the information in your credit file.
You have a right to dispute inaccurate information by contacting the consumer credit reporting agency directly. However, neither you nor any credit repair company or credit service organization has the right to have accurate, current, and verifiable information removed from your credit report. Under the Federal Fair Credit Reporting Act, the consumer credit reporting agency must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for 10 years.
If you have notified a consumer credit reporting agency in writing that you dispute the accuracy of information in your file, the consumer credit reporting agency must then, within 30 business days, reinvestigate and modify or remove inaccurate information. The consumer credit reporting agency may not charge a fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the consumer credit reporting agency.
If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the consumer credit reporting agency to keep in your file, explaining why you think the record is inaccurate. The consumer credit reporting agency must include your statement about disputed
information in a report it issues about you.
You have a right to receive a record of all inquiries relating to a credit transaction initiated in 12 months preceding your request. This record shall include the recipients of any consumer credit report.
You may request in writing that the information contained in your file not be provided to a third party for marketing purposes.
You have a right to place a “security alert” in your credit report, which will warn anyone who receives information in your credit report that your identity may have been used without your consent. Recipients of your credit report are required to take reasonable steps, including contacting you at the telephone number you may provide with your security alert, to verify your identity prior to lending money, extending credit, or completing the purchase, lease, or rental of goods or services. The security alert may prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that taking advantage of this right may delay or interfere with the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or cellular phone or other new account, including an extension of credit at point of sale. If you place a security alert on your credit report, you have a right to obtain a free copy of your credit report at the time the 90-day security alert period expires. A security alert may be requested by calling the following toll-free telephone number: 1-800-525-6285
Connecticut
You have a right to obtain a copy of your credit file from a credit rating agency. You may be charged a reasonable fee not exceeding five dollars for your first request in twelve months or seven dollars and fifty cents for any subsequent request in that same twelve-month period. There is no fee, however, if you have been turned down for credit, employment, insurance or a rental dwelling because of information in your credit report within the preceding sixty days. The credit rating agency must provide someone to help you interpret the information in your credit file.
You have a right to dispute inaccurate information by contacting the credit rating agency directly. However, neither you nor any credit repair company or credit service organization has the right to have accurate, current and verifiable information removed from your credit report. Under the federal Fair Credit Reporting Act, the credit rating agency must remove accurate, negative information from your report only if it is over seven years old. Bankruptcy information can be reported for ten years.
If you have notified a credit rating agency in writing that you dispute the accuracy of information in your file, the credit rating agency must then, within thirty business days, reinvestigate and modify or remove inaccurate information. If you provide additional information to the credit rating agency, the agency may extend this time period by fifteen business days. The credit rating agency shall provide you with a toll-free telephone number to use in resolving the dispute.
The credit rating agency may not charge a fee for this service. Any pertinent information and copies of all documents you have concerning an error should be given to the credit rating agency.
If reinvestigation does not resolve the dispute to your satisfaction, you may send a brief statement to the credit rating agency to keep in your file, explaining why you think the record is inaccurate. The credit rating agency must include your statement about disputed information in a report it issues about you.
You have a right to receive a record of all inquiries relating to a credit transaction initiated in twelve months preceding your request which resulted in the provision of a credit report.
You may request in writing that the information contained in your file not be provided to a third party for marketing purposes.
If you have reviewed your credit report with the credit rating agency and are dissatisfied, you may contact the Connecticut Department of Banking. You have a right to bring civil action against anyone who knowingly or willfully misuses file data or improperly obtains access to your file.
Maryland
As a resident of the State of Maryland, you have the following rights as a consumer under the laws of the State of Maryland relating to consumer credit information.
You have the right to request, in writing, that a consumer reporting agency restrict the sale or other transfer of information in your credit file to:
A mail-service organization;
A marketing firm; or
Any other similar organization that obtains information about a consumer for marketing purposes.
You have a right, upon request and proper identification, to receive from a consumer reporting agency an exact copy of any consumer file on you, including a written explanation of codes or trade language used in the report.
You have a right to receive disclosure of information in your consumer file during normal business hours:
In person, upon furnishing proper identification.
By telephone, if you make written request with proper identification, and toll charges, if any, are charged to you.
In writing, if you make written request and furnish proper identification.
You have a right to dispute the completeness or accuracy of any item of information contained in your consumer file, and if you convey the dispute in writing, the consumer reporting agency will, within 30 days, reinvestigate and record the current status of that information, unless it has reasonable grounds to believe that the dispute is frivolous or irrelevant. You may be accompanied by one other person of your choosing, who must furnish reasonable identification, and the consumer reporting agency may require a written statement from you granting permission to discuss your consumer information in this person’s presence.
If, after reinvestigation, the information you disputed is found to be inaccurate or cannot be verified, the consumer reporting agency will delete the information and mail you a written notice of the correction and will also mail to each person to whom erroneous information was furnished written notice of the correction. You will also be sent a written notice if the information you disputed is found to be accurate or is not verified. You have 60 days after receiving notice of correction or other findings to request in writing that the consumer reporting agency furnish you with the name, address, telephone number of each creditor contacted during its reinvestigation, and it will provide this information to you within 30 days after receiving your request.
If the reinvestigation does not resolve your dispute, you may file with the consumer reporting agency a brief statement of not more than 100 words, setting forth the nature of your dispute. This statement will be placed on your consumer file, and in any subsequent report containing the information you dispute, it will be clearly noted that the information has been disputed by you, and your statement or a clear and accurate summary of it will be provided with that report. Following deletion of any information you disputed that is found to be inaccurate or could not be verified, at your request, the consumer reporting agency will furnish notification of the information deleted or your statement, or statement summary, to any person you designate who has received your report within the past two years for employment purposes, or within the past one year for any other purpose.
Under the law, you will not be charged for any of the information requested nor for our handling of the information you dispute, nor for the corrected reports resulting from our handling. Under the law, you may be charged a fee not exceeding $5 for a second or subsequent report requested by you during a 12-month period. You have a right to file a complaint with the Commissioner of Financial Regulation, State of Maryland, if you have reason to believe that this law or any other law regulating consumer credit reporting has been violated, and the Commissioner will thoroughly inspect and investigate your complaint.
The name, address, and telephone number of the Commissioner of Financial Regulation is:
Antonio Salazar, Commissioner of Financial Regulation Maryland Department of Labor, Licensing & Regulation 500 N. Calvert St. Baltimore, Maryland 21202 (410) 230-6100
Massachusetts
You have a right to obtain a copy of your credit file from a consumer credit reporting agency. You may be charged a reasonable fee not exceeding $8. There is no fee, however, if you have been turned down for credit, employment, insurance or rental dwelling because of information in your credit report within the preceding 60 days. The consumer credit reporting agency must provide someone to help you interpret the information in your credit file. Each calendar year you are entitled to receive, upon request, one free consumer credit report.
You have a right to dispute inaccurate information by contacting the consumer reporting agency directly, either in writing, by mail or electronic communication through the credit reporting agency website, or by telephone. The consumer reporting agency shall provide, upon request and without unreasonable delay, a live representative of the consumer reporting agency to assist in dispute resolution whenever possible and practicable, or to the extent consistent with federal law. However, neither you nor any credit repair company or credit service organization has the right to have accurate, current and verifiable information removed from your credit report. In most cases, under state and federal law, the consumer credit reporting agency must remove accurate, negative information from your report only if it is more than 7 years old and must remove bankruptcy information only if it is more than 10 years old.
If you have notified a consumer credit reporting agency in writing that you dispute the accuracy of information in your file, the consumer credit reporting agency must then, within 30 business days, reinvestigate and modify or remove inaccurate information. The consumer credit reporting agency may not charge a fee for this service. Any pertinent information and copies of all documents you have concerning a dispute should be given to the consumer credit reporting agency.
If reinvestigation does not resolve the dispute to your satisfaction, you may send a statement to the consumer credit reporting agency to keep in your file, explaining why you think the record is inaccurate. The consumer credit reporting agency must include your statement about the disputed information in a report it issues about you.
You have a right to receive a record of all inquiries relating to a credit transaction initiated in the 6 months preceding your request, or 2 years in the case of a credit report used for employment purposes. This record shall include the recipients of any consumer credit report.
You have the right to opt out of any prescreening lists compiled by or with the assistance of a consumer credit reporting agency by calling the agency’s toll-free telephone number, or by contacting the agency through electronic communication or in writing. You may be entitled to collect compensation, in certain circumstances, if you are damaged by a person’s negligent or intentional failure to comply with the credit reporting act.
Texas
As a resident of the State of Texas, you have the following rights as a consumer under the laws of the State of Texas relating to consumer reports.
Receiving a consumer report. On request and proper identification provided by you, a consumer reporting agency (CRA) shall disclose to you in writing all information pertaining to you in the CRA’s file at the time of request, including:
The name of each person requesting consumer information about you during the preceding six months and the date of each request;
A set of instructions describing how information is presented on the consumer reporting agency’s written disclosure of your consumer file; and
If the consumer reporting agency compiles and maintains files on a nationwide basis, a toll-free number at which personnel are available to you during normal business hours for use in resolving a dispute if you submit a written dispute to the CRA.
Charges for Disclosures. Except as provided below, a CRA may impose a reasonable fee for the disclosure of information pertaining to you. The CRA will charge you $8 to receive a copy of your report. A CRA may not charge a fee for:
A request by you for a copy of your consumer file made no later than the 60th day after the date on which adverse action is taken against you;
Notification of the deletion of information that is found to be inaccurate or can no longer be verified sent to a person designated by you, as prescribed by Section 611 of the Fair Credit Reporting Act (15 U.S.C. Section 1681i);
A set of instructions for understanding the information presented on your consumer report; or
A toll-free number that you may call to obtain additional assistance concerning your consumer report.
You can dispute inaccurate information with the CRA. If the completeness or accuracy of information contained in your consumer file is disputed by you and you notify the CRA of the dispute, the agency shall reinvestigate the disputed information free of charge and record the current status of the disputed information not later than the 30th business day after the date on which the agency receives the notice.
The CRA shall provide you with the option of notifying the agency of a dispute concerning your consumer file by speaking directly to a representative of the agency during normal business hours.
Statement of Rights
Not later than the fifth business day after the date on which a CRA receives notice of a dispute from you, the agency shall provide notice of the dispute to each person who provided any information related to the dispute. A CRA may terminate a reinvestigation of information disputed by you if the agency reasonably determines that the dispute is frivolous or irrelevant. An agency that terminates a reinvestigation of disputed information under this subsection shall promptly notify you of the termination and the reasons for the termination by mail, or if authorized by you, by telephone. The presence of contradictory information in your consumer file does not by itself constitute reasonable grounds for determining that the dispute is frivolous or irrelevant. If disputed information is found to be inaccurate or cannot be verified after a reinvestigation, the CRA, unless otherwise directed by you, shall promptly delete the information from your consumer file, revise your consumer file, and provide the revised consumer report to you and, upon your request, to each person who requested the consumer report within the preceding six months. The CRA may not report the inaccurate or unverified information in subsequent reports. Information deleted may not be reinserted in your consumer file unless the person who furnishes the information to the CRA reinvestigates and states in writing or by electronic record to the agency that the information is complete and accurate. A CRA shall provide written notice of the results of a reinvestigation or reinsertion made under this section not later than the fifth business day after the date on which the reinvestigation or reinsertion has been completed.
The notice must include:
(1) a statement that the reinvestigation is complete;
(2) a statement of the determination made by the agency on the completeness or accuracy of the disputed information;
(3) a copy of your consumer file or consumer report and a description of the results of the reinvestigation;
(4) a statement that a description of the procedure used to determine the accuracy and completeness of the information shall be provided to you by the agency on request, including the name, business address, and, if available, the telephone number of each person contacted in connection with the information;
(5) a statement that you are entitled to add a statement to your consumer file disputing the accuracy or completeness of the information as provided by Section 611 of the Fair Credit Reporting Act (15 U.S.C. Section 1681i), as amended; and
(6) a statement that you may be entitled to dispute resolution as prescribed by this section, after you receive the notice specified under this subsection.
Correction of Inaccurate Information. A consumer reporting agency shall provide a person who provides consumer information to the agency with the option of correcting previously reported inaccurate information by submitting the correction by facsimile or other automated means.
Your Right to File Action in Court or Arbitrate Disputes– Section 20.08 of the Texas Business and Commerce Code provides you with the right to file an action in court or arbitrate a dispute.
Washington
Here is a summary of your major rights under the State of Washington Fair Credit Reporting Act (“WFCRA”). The WFCRA is modeled after the Federal Fair Credit Reporting Act. The same rights are provided under the Federal Fair Credit Reporting Act, and you have received A Summary of Your Rights Under the Federal Fair Credit Reporting Act.
You can get the complete text of WFCRA RCW 19.182, from the Washington Code Revisers Office, P.O. Box 40551, Olympia, WA, 98504, or online at http://apps.leg.wa.gov/rcw/default.aspx?cite=19.182&full=true#19.182.070.
• You must be told if information in your file has been used against you. If a person takes an adverse action against you that is based, in whole or in part, on information contained in a consumer report, that person must tell you, and must give you the name, address, and telephone number of the consumer reporting agency that provided the information.
• You have a 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, although medical information may be withheld and given directly to your medical provider. You will be required to provide proper identification, which may include your Social Security number. In many cases, the disclosure will be free. You will not be charged for: o a consumer report if a person has taken adverse action against you because of information in your credit report; o the reinvestigation of information you dispute; or o corrected reports resulting from the deletion of inaccurate or unverifiable information. In addition, you are entitled to one free consumer report every 12 months, upon request. You may be charged a limited fee for a second or subsequent report requested by you during a 12 month period.
• You have a right to dispute incomplete or inaccurate information. If you identify information in your file that is incomplete or inaccurate, and you notify the consumer reporting agency directly of the dispute, the consumer reporting agency will reinvestigate without charge and record the current status of the disputed information before the end of thirty business days, unless your dispute is frivolous.
• Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Upon completion of the reinvestigation, if the information you disputed is found to be inaccurate or cannot be verified, the consumer reporting agency will delete the information and notify you of the correction. If the reinvestigation does not resolve your dispute, you may file with the consumer reporting agency a brief statement setting forth the nature of your dispute. The statement will be placed in your consumer file and in any subsequent report containing the information you disputed.
• Consumer reporting agencies may not report outdated negative information. In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than ten years old.
• 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 WFCRA specifies those with a valid need for access. You must be notified if reports are provided to employers. A consumer reporting agency may not give out information about you to employers without your knowledge. A potential employer must make a clear and conspicuous disclosure in writing to you or obtain your consent before obtaining a report. A current employer may not receive a report unless it has given you written notice that consumer reports may be used for employment purposes. Page 2 CD021-02-14c
• You may limit “prescreened” offers of credit and insurance you get based on information in your credit report. You may elect not to receive unsolicited “prescreened” offers for credit and insurance by using the consumer reporting agency’s notification system to remove your name and address from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5-OPTOUT (1-888-567-8688).
• You may be able to block information resulting from identity theft from appearing on your credit report. If you are a victim of identity theft, a consumer reporting agency must permanently block misinformation resulting from that theft from appearing on your credit report. You must provide the consumer reporting agency with a copy of a police report as evidence of your claim before it can place the block on your report.
• 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 WFCRA, you may be able to sue in state or federal court.
Any complaints by consumers under state law may be directed to: Office of the Attorney General Consumer Protection Division 800 5th Avenue, Suite 2000 Seattle, Washington 98104-3188 Phone 1-800-551-4636 or (206) 464-6684 Fax (206) 389-2801 Statewide Toll-Free TDD: 800 276-9883 Complaints May Be Made Via U.S. Mail or E-Mail Complaints: http://www.atg.wa.gov/FileAComplaint.aspx (Include your U.S. Mail address with any complaint.) Website & Forms: http://www.atg.wa.gov/
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