What is an FCRA complaint?

The Fair Credit Reporting Act of 1970. The FCRA gives consumers the means to detect inaccuracies in their reports and file complaints. It also requires reporting agencies to investigate and correct bogus information. Mistakes are often clerical, but sometimes they’re the result of old information reported as current.

What are your rights under the Fair Credit Reporting Act?

The FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment or insurance. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you (this is called “file disclosure”).

What can you do if a company refuses to take you off their mailing list?

Most firms respect a consumer’s right to have his name excluded from their solicitation mailing lists, but when a company refuses to take you off its mailing list, you have several options that may help cut down on the junk mail. The first line of defense is to escalate the complaint with the mailer’s customer-service department.

What can you do if a company refuses to take you off their website?

Although this will not necessarily stop the mailings, the threat of a BBB complaint will often get a difficult mailer to wise up and stop the mailings. At the least, a complaint will alert other consumers that a business may be difficult or non-responsive to customer requests.

How to report and remove defamation on YouTube?

There are two primary methods to report defamation on YouTube: Flag a video. It is important to note that Google owns and operates YouTube, so you will be directed to Google Support when you submit a complaint or flag defamatory content. Do not be alarmed! Google is YouTube’s parent company, so YouTube’s complaint process matches that of Google.

How can I remove incorrect information from my credit report?

Contact the creditor that furnished the incorrect information, and demand that it tell the credit reporting agency to remove the data from your report. You can use Nolo’s Request to Creditor to Remove Inaccurate Information or write your own letter.

What can you do if a company refuses to take you off their?

By adding yourself to the DMA’s do-not-mail list, you will be excluded from the lists that get to the mailers in the first place. In addition, let the DMA know if one of its member companies is not complying with a request to be removed from a list. In extreme cases, file a complaint with your local Better Business Bureau.

How can I get negative information removed from my credit report?

Here’s how: The three major credit reporting bureaus— Experian, Equifax, and TransUnion —produce credit reports. Ask the collector to tell the bureaus to remove any negative information about the debt from your credit files.

How to get a debt collector to remove negative information?

Ask the collector to tell the bureaus to remove any negative information about the debt from your credit files. The collector might not agree, it might have to get the creditor’s approval first, or you might have to pay a bit more on the debt; but it doesn’t hurt to ask.

How to get a collection agency to remove information?

The collection agency may tell you that this is not its decision—that only the original creditor can remove the information. Ask for the name and phone number of the person with the original creditor who has authority to make this decision. Call that person and plead.