The full explanation
You may not know these reports exist until you are turned down. Federal law gives you the right to request your report and to dispute wrong information.
An example
A property management company turns Andrés down because of a rental history report. Andrés looks up the company on the CFPB's list, requests his report and finds a debt to a landlord he never rented from. He disputes it with that company.
You will see it in…
- The CFPB's list of consumer reporting companies
- An adverse action notice from a landlord, bank or insurer
- Rental, job or bank account applications, where you authorize the check
