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Authored By
Credit Hunter Compliance Desk
Reviewed By
Statutory Enforcement Review Desk
Last Reviewed
March 13, 2026
Review Standard
CROA and FCRA disclosure review
This page is published as a compliance disclosure. It summarizes consumer rights required to be provided before service activation.
CONSUMER CREDIT FILE RIGHTS UNDER STATE AND FEDERAL LAW
You have a right to dispute inaccurate information in your credit report by contacting the credit bureau directly. The credit bureau must investigate disputes you submit and correct or delete inaccurate, incomplete, or unverifiable information. The credit bureau is not required to investigate disputes that it reasonably determines are frivolous. See 15 U.S.C. §1681i.
You have a right to add a summary explanation to your credit report if the credit bureau's investigation does not solve your dispute. See 15 U.S.C. §1681i(b).
You have a right to receive a free credit report from each of the three credit reporting companies once every 12 months at annualcreditreport.com or by calling 1-877-322-8228. You also have a right to a free credit report if a company takes adverse action against you based on the report within 60 days of such adverse action, or if you are unemployed, on welfare, or if your report is inaccurate due to fraud, including identity theft.
You have a right to sue a credit bureau, a creditor, or a credit repair organization if it violates the Fair Credit Reporting Act (FCRA) or the Credit Repair Organizations Act (CROA). If you sue under the FCRA, you may recover actual damages, plus up to $1,000 in statutory damages per violation, plus attorney's fees, in federal or state court.
You have a right to know what is in your credit file. You may request a free report if you dispute adverse actions, belong to a protected class, or have been denied credit, insurance, or employment based on your report in the last 60 days.
Rights Under the Credit Repair Organizations Act (CROA)
You have a right to cancel your contract with any credit repair organization for any reason within three (3) business days from the date you signed it. See 15 U.S.C. §1679(c).
Credit repair organizations are prohibited by law from (a) making false or misleading representations about their services; (b) charging for services before they are fully performed; (c) advising you to make false statements to credit bureaus; or (d) advising you to change your identity to avoid your credit history.
No one can legally remove accurate and verified bad credit information from a credit report. The law allows you to challenge inaccurate information.
State Law Rights
Many states have their own credit reporting laws that may provide additional rights. Contact your state attorney general's office or state consumer protection agency for more information. In some states, credit bureaus must provide free reports more frequently than required by Federal law.
How to File a Complaint
If you believe a credit bureau or Credit Hunter AI has violated your rights, you may file a complaint with:
- Consumer Financial Protection Bureau (CFPB): consumerfinance.gov/complaint or 1-855-411-2372
- Federal Trade Commission (FTC): reportfraud.ftc.gov or 1-877-382-4357
- Your state Attorney General's office
By proceeding with Credit Hunter AI, you acknowledge that you have received and read this Consumer Credit File Rights disclosure as required by §404 of the Credit Repair Organizations Act, 15 U.S.C. §1679b.