The term consumer reporting agency means any person which, for monetary fees, dues, or on a cooperative nonprofit basis, regularly engages in whole or in part in the practice of assembling or evaluating consumer credit information or other information on consumers for the purpose of furnishing consumer reports to third parties, and which uses any means or facility of interstate commerce for the purpose of preparing or furnishing consumer reports.
(n)(1) Nonpublic personal information means:
(i) Personally identifiable financial information; and
(ii) Any list, description, or other grouping of consumers (and publicly available information pertaining to them) that is derived using any personally identifiable financial information that is not publicly available.
(2) Nonpublic personal information does not include:
(i) Publicly available information, except as included on a list described in paragraph (n)(1)(ii) of this section; or
With the ability to steal many card numbers before being discovered, card skimmers placed in gas pumps can transmit their stolen information via Bluetooth.
You have the right to dispute incomplete or inaccurate information in any consumer report prepared about you by a consumer reporting agency (CRA) including credit reporting agencies (credit bureaus) and specialty agencies (check writing history, medical records, rental history).
A specialty consumer report (compiled by a specialty consumer reporting agency) may include
The Federal Trade Commission (FTC) recently released details of its settlement agreement with Equifax concerning its 2017 data breach exposing the sensitive personal information of more than 147 million Americans. At the time, the FTC stated that people impacted were eligible for a $125 cash payment or free credit monitoring services.
San Diego, CA -- In 2003, Senate Bill 27 introduced by California State Senator Liz Figueroa passed into law. The 'Shine the Light' law (CA Civil Code 1798.83) goes into effect for California residents on January 1, 2005.
Today, the Federal Trade Commission (FTC) shared details of the $425 million settlement it reached with Equifax for its 2017 data breach exposing personal information of more than 147 million Americans.
As a renter, you have rights during the application process and after you move in. In addition to federal protections (Fair Housing Act, Fair Credit Reporting Act), your state likely has laws in place as well.
Almost everyone has records containing personal information (Social Security number, financial information, medical history, etc.) around their home. You can help protect yourself from identity theft by properly destroying your old paper and digital records when you no longer need them.