Access is the privacy concept that grants a consumer the right to view and correct errors on his or her credit report. The Fair Credit Reporting Act (FCRA) gives consumers the right to access their credit reports from the three nationwide credit reporting agencies (Equifax, Experian, and TransUnion) once every 12 months for free. Consumers also have the right to dispute any inaccurate or incomplete information in their credit reports and request that the credit reporting agencies investigate and correct the errors. The FCRA also requires the credit reporting agencies to provide consumers with a notice of their rights and a summary of the dispute process. References:
IAPP CIPP/US Certified Information Privacy Professional Study Guide, Chapter 2: Limits on Private-sector Collection and Use of Data, Section 2.2: Consumer Privacy, p. 38-39
IAPP CIPP/US Body of Knowledge, Domain II: Limits on Private-sector Collection and Use of Data, Objective II.B: Identify the privacy requirements for consumer data, Subobjective II.B.1: Identify the consumer rights under the Fair Credit Reporting Act, p. 13
IAPP CIPP/US Exam Blueprint, Domain II: Limits on Private-sector Collection and Use of Data, Objective II.B: Identify the privacy requirements for consumer data, Subobjective II.B.1: Identify the consumer rights under the Fair Credit Reporting Act, p. 4
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