Federal Trade Commission has issued final summaries of identity theft and general consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Transactions Act of 2003 (FACTA).
The general consumer rights summary provides that:
– active duty military personnel have additional rights under the FCRA and FACTA
The identity theft rights summary states that:
– a consumer may request that a consumer reporting company block any information, not just account information, in the consumer’s file if the information is the result of identity theft.
– fraud alerts can be requested by the consumer over the telephone