Fraude de identidad y agencias de informes al consumidor

Explicación Simple

Si alguien usa tu información sin tu permiso, puedes demostrar que es incorrecto. Las agencias de informes deben corregir esos errores si les muestras pruebas claras.

Es como si alguien entrara a tu casa y moviera tus cosas; tú tienes el derecho de poner todo en su lugar y decir que no es tuyo.

Ejemplo Práctico

María se dio cuenta de que su informe de crédito tenía una deuda que no había contraído. Al investigar, encontró un documento que demostraba que era un error. María lo envió a la agencia de informes, y gracias a eso, corrigieron su informe.

Texto Original del Estatuto (Inglés)

The prior presence of the blocked information in the consumer reporting agency's file on the consumer is not evidence of whether the consumer knew or should have known that he obtained possession of any goods, services, or moneys. D. A consumer reporting agency shall accept the consumer's version of the disputed information and correct the disputed item when the consumer submits to the consumer reporting agency documentation obtained from the source of the item in dispute or from public records confirming that the report was inaccurate or incomplete, unless the consumer reporting agency, in the exercise of good faith and reasonable judgment, has substantial reason based on specific, verifiable facts to doubt the authenticity of the documentation submitted and notifies the consumer in writing of that decision, explaining its reasons for unblocking the information and setting forth the specific, verifiable facts on which the decision is based. E. A consumer reporting agency shall delete from a consumer credit report inquiries for credit reports based upon credit requests that the consumer reporting agency verifies were initiated as a result of a violation of § 18.2-186.3 . F. The provisions of this section do not apply to (i) a consumer reporting agency that acts as a reseller of credit information by assembling and merging information contained in the databases of other consumer reporting agencies, and that does not maintain a permanent database of credit information from which new consumer credit reports are produced, (ii) a check services or fraud prevention services company that issues reports on incidents of fraud or authorizations for the purpose of approving or processing negotiable instruments, electronic funds transfers, or similar payment methods, or (iii) a dem