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Marsha411JD
Marsha411JD, Lawyer
Category: Consumer Protection Law
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Experience:  Licensed Attorney with 29 yrs exp with Consumer Law issues
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Can I legally demand that the credit reporting agencies do

Resolved Question:

Can I legally demand that the credit reporting agencies do not give out, or sell, or provide, any information on me to anyone? If so, what's the law/statute?
Submitted: 3 years ago.
Category: Consumer Protection Law
Expert:  Marsha411JD replied 3 years ago.
Hello,

Thank you for your question. There are two different actions that you would want to take if you want to ensure that no one has access to your credit information. One is to freeze your account with each of the three credit reporting agencies and the other is to "opt out" of the CRA's ability to sell your information, or provide it to lenders, etc.

You can find out much more about how to accomplish both of these actions, by reading the guidance at: https://www.privacyrights.org/fs/fs6-crdt.htm
The opt out contact information is in that guidance.

Transunion direct freeze information is at: http://www.transunion.com/personal-credit/credit-disputes/credit-freezes.page
Equifax at: https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp
Experian at: http://www.experian.com/consumer/security_freeze.html
Customer: replied 3 years ago.
Thank you for your answer. If I try to get appointed by an insurance carrier, and part of the application states that I am giving my permission for them to check my consumer report, will a security freeze block their access?
Expert:  Marsha411JD replied 3 years ago.
You're welcome. In cases where you are engaged in a transaction, like the one your described, where a particular agency or company needs access to your credit report, then you can notify each of the CRA's that you desire a temporary lifting of your report for this company or institution. Each one of the links I provided you does discuss that issue, but you would definitely have to take the affirmative step to temporarily lift the freeze for their access.
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