Consumer Law Section 609
Any federal state or local government law enforcement agency or officer specified by the victim in such a request.
Consumer law section 609. The law also defines what is a consumer report a consumer reporting agency consumer reports for employment purposes and adverse actions go to section 603. The fcra does in fact include a considerable amount of language memorializing your rights to dispute the information found in your credit reports. Fcra 609 e 15 u s c.
Section 609 of the fair credit reporting act fcra outlines a consumer s right to order copies of their credit report and the information that appears on it. As is my right i am requesting verification of the following items. There is no such 609 dispute letter anywhere to be found in the fcra.
Information on file every cra consumer reporting agency shall upon request and subject to 610 clearly and accurately disclose to the applicant. As stated in section 609 of the fcra 2 e. A consumer reporting agency is not required to remove accurate derogatory information from a consumer s file unless the information is outdated under section 609 or cannot be verified.
Section 609 details what information must be disclosed to an applicant if he she requests it. For purposes of this subsection the term victim means a consumer whose means of identification or financial information has been used or transferred or has been alleged to. The official website of the federal trade commission protecting america s consumers for over 100 years.
But it s in section 611 of the statute rather than in section 609. The 609 letter is similar to a debt verification letter you would send to a third party collector when trying to validate the legitimacy of a balance due which is your right under the fair debt collection practices act the 609 letter however is based on section 609 of the fair credit reporting act fcra a federal law that regulates the credit reporting agencies. Section 609 doesn t explicitly discuss your right to dispute inaccurate information but it does assert your right to a copy of all the information in your credit file.