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A Summary of Your Rights Under the FCRA
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. This is a summary of your rights.
A consumer reporting agency (CRA) is a company that collects and sells information about your creditworthiness, employment history, or background. Draco Investigative Services acts as a consumer reporting agency. For more information, including a list of your rights under the FCRA, visit consumerfinance.gov or write to the Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.
You have the following rights under the FCRA:
You must be told if information in your file has been used against you.
Anyone who uses a consumer report to take action against you — denying an application for credit, insurance, or employment, or another adverse action — 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. In some cases the disclosure is free — for example, if a person has taken adverse action against you because of information in your report, if you are the victim of identity theft, or in certain other situations.
You have the right to ask for a credit score.
Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans, though you may have to pay for it.
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.
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.
Consumer reporting agencies may not report outdated negative information.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 FCRA specifies those with a valid need for access.
You must give your consent for reports to be provided to employers.
A consumer reporting agency may not give out information about you to your employer, or a prospective employer, without your written consent given to the employer. Written consent generally is not required in the trucking industry.
You may limit "prescreened" offers of credit and insurance.
Unsolicited "prescreened" offers for credit and insurance must include a toll-free number you can call if you choose to remove your name and address from the lists these offers are based on.
The following FCRA rights protect additional groups.
- Identity theft victims and active-duty military personnel have additional rights.
- You may seek damages from violators.
- You may have additional rights under state law. Contact your state or local consumer-protection agency or your state Attorney General to learn more.
How to reach us
To request the information in your file, to obtain the official Summary of Rights, or to dispute the accuracy or completeness of information in a report we have assembled about you, contact Draco Investigative Services at damien@dracosvc.com, or use our consumer request form. We will verify your identity before releasing any information. See also our Privacy Policy.
This summary is provided for general information and is not legal advice. The official CFPB model form controls; confirm the current version with qualified counsel and provide it with file disclosures.