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Consumer Report Rights
Consumers have the right to free copies of the information in their file. This is 'file disclosure'. An initial fraud alert entitles person to a copy of all the information in their file at each of the 3 nationwide agencies.
An extended alert entitles on to 2 free file disclosures in a 12-month period following the placing of the alert. These additional disclosures may help people detect signs of consumer fraud. They can find out whether fraudulent accounts have been opened in their name or whether someone has reported a incorrect change in of address in order to receive various ill-gotten gains.
Once a year, consumers also have the right to a free copy of the information in their file at any consumer reporting agency if they believe it contains inaccurate information due to frauds like identity theft.
Taking advantage of these opportunities is a good way to monitor one’s finances and guard against credit fraud.
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