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The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness and privacy of information in the files of every "consumer reporting agency" (CRA). Most CRAs are credit bureaus that gather and sell information about you - such as if you pay your bills on time or have filed for bankruptcy - to creditors, employers, landlords, and other businesses.
You can find the complete text of the FCRA, 15 USC ¡ì¡ì1681-1681u, at the Federal Trade Commission¡¯s Web site (). The FCRA gives you specific rights as outlined below. You may have additional rights under state law. You may contact a state or local consumer protection agency or a state attorney general to learn those rights.
The FCRA gives several different agencies authority to enforce the FCRA:
For Questions Regarding: | Please Contact: |
CRAs, creditors and others not listed below | Federal Trade Commission Consumer Response Center - FCRA Washington, DC 20580 202-326-3761 |
National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank’s name) | Office of the Comptroller of the Currency Compliance Management Mail Stop 6-6 Washington, DC 20219 800-613-6743 |
Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks) | Federal Reserve Board? Division of Consumer & Community Affairs Washington, DC 20551 202-452-3693 |
Savings associations and federally chartered savings banks (word "Federal) or initials "F.S.B." appear in federal institution’s name) | Office of Thrift Supervision Consumer Programs Washington, DC 20552 800-842-6929 |
Federal credit unions (words "Federal Credit Union" appear in institution’s name) | National Credit Union Administration 1775 Duke Street Alexandria, VA 22314 703-518-6360 |
State-chartered banks that are not members of the Federal Reserve System | Federal Deposit Insurance Corporation Division of Compliance & Consumer Affairs Washington, DC 20429 800-934-FDIC |
Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission | Department of Transportation Office of Financial Management Washington, DC 20590 202-366-1306 |
Activities subject to the Packers and Stockyards Act, 1921 | Department of Agriculture Office of Deputy Administrator GIPSA Washington, DC 20250 202-720-7051 |
For Questions Regarding: | Please Contact: |
CRAs, creditors and others not listed below | Federal Trade Commission Consumer Response Center - FCRA Washington, DC 20580 202-326-3761 |
National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank’s name) | Office of the Comptroller of the Currency Compliance Management Mail Stop 6-6 Washington, DC 20219 800-613-6743 |
Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks) | Federal Reserve Board? Division of Consumer & Community Affairs Washington, DC 20551 202-452-3693 |
Savings associations and federally chartered savings banks (word "Federal) or initials "F.S.B." appear in federal institution’s name) | Office of Thrift Supervision Consumer Programs Washington, DC 20552 800-842-6929 |
Federal credit unions (words "Federal Credit Union" appear in institution’s name) | National Credit Union Administration 1775 Duke Street Alexandria, VA 22314 703-518-6360 |
State-chartered banks that are not members of the Federal Reserve System | Federal Deposit Insurance Corporation Division of Compliance & Consumer Affairs Washington, DC 20429 800-934-FDIC |
Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission | Department of Transportation Office of Financial Management Washington, DC 20590 202-366-1306 |
Activities subject to the Packers and Stockyards Act, 1921 | Department of Agriculture Office of Deputy Administrator GIPSA Washington, DC 20250 202-720-7051 |