A Summary of Your Rights Under the FCRA
The federal Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. The following is a plain-English summary of your rights when disputing information through Syntrove DISPUTE.
Download the CFPB Summary of Rights (PDF)- Right to a reinvestigation (§ 611)
You have the right to dispute the completeness or accuracy of any information in your consumer file. We must reinvestigate the disputed item free of charge and complete the reinvestigation within 30 days.
- 45-day extension
If you provide additional relevant information during the initial 30-day period, the reinvestigation window may be extended by up to 15 days (45 days total). We will notify you if an extension is applied to your case.
- Furnisher notification
Within 5 business days of receiving your dispute, we will notify the furnisher (the entity that supplied the disputed information) so they can conduct their own investigation and report back with their findings.
- Notice of outcome
You will receive written notice of the results of the reinvestigation no later than 5 business days after it is completed, including whether the disputed information was verified, updated, or deleted.
- If the item is verified as accurate
You may add a statement of up to 100 words describing the nature of your dispute to your consumer file. This statement will be included with any future reports containing the disputed item.
- Source and method of verification
You may request the business name, address, and (where available) telephone number of any furnisher contacted during the reinvestigation, along with a description of the procedure used to verify the information.
- Free corrected report
If information is corrected or deleted, you are entitled to a free copy of your revised consumer file. You may also request that notice of the correction be sent to anyone who received the report in the last two years for employment purposes, or six months for any purpose.
- Escalation to regulators (§ 611(f))
If you disagree with the outcome of the reinvestigation, you may file a complaint with the Consumer Financial Protection Bureau, your state attorney general, or the Federal Trade Commission. You may also bring a private civil action.
State-specific rights
You have the right to know what personal information we collect, to request deletion of personal information we hold about you (subject to FCRA record-retention obligations), and to opt out of the sale or sharing of personal information. Under the CA Investigative Consumer Reporting Agencies Act, you may request the sources of information and the recipients of any report about you in the last three years. To exercise these rights, contact consumeraffairs@syntrovedispute.com.
You have the right to know whether a consumer report about you was provided to a user in connection with employment, and to a description of the nature and substance of that report. You may also request the names of recipients of any report during the preceding twelve months for employment purposes, or six months for any other purpose.
You have the right to access, correct, and delete personal information we hold about you, and to opt out of targeted advertising, sale, or profiling with legal or similarly significant effects. Requests may be made by contacting consumeraffairs@syntrovedispute.com; we will respond within 45 days.
Escalating your dispute
If you disagree with the outcome of a reinvestigation, or believe your rights under the FCRA have been violated, you may file a complaint with the following:
- Consumer Financial Protection Bureau — consumerfinance.gov/complaint
- Federal Trade Commission — reportfraud.ftc.gov
- Your state attorney general's consumer protection division.
- You may also bring a private civil action under 15 U.S.C. § 1681n and § 1681o.
Start a secure FCRA reinvestigation through the Syntrove DISPUTE consumer portal.
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