Credit Report & Scores » Report Advice » Notification of Rights for Massachusetts Consumers

Notification of Rights for Massachusetts Consumers

Under Massachusetts law, at your request, the credit reporting agency will provide you with a copy of your report, at no charge, once per year. We must convey your request for investigation to the source of the information within five business days after receiving your request. The results of our investigation will be sent to you within 10 business days after the investigation is complete. You have a right to receive a record of all requests for your credit history relating to a credit transaction initiated within the past six months, or two years if your credit history is reviewed for employment purposes. If you request, we will provide you with the company name, address and telephone number of any person contacted during the investigation within 15 days of your request. You may be entitled to collect compensation, in certain circumstances, if you are damaged by a person’s negligent or intentional failure to comply with the provisions of the credit reporting act.

Massachusetts Consumers Have The Right To Obtain A Security Freeze

You have a right to request a “security freeze” on your consumer report. The security freeze will prohibit a consumer reporting agency from releasing any information in your consumer report without your express authorization.

A security freeze shall be requested by sending a request either by certified mail, overnight mail or regular stamped mail to a consumer reporting agency, or as authorized by regulation. The security freeze is designed to prevent credit, loans or services from being approved in your name without your consent. You should be aware that using a security freeze may delay, interfere with, or prevent the timely approval of any subsequent request or application you make regarding new loans, credit, mortgage, insurance, government services or payments, rental housing, employment, investment, license, cellular phone, utilities, digital signature, internet credit card transactions, or other services, including an extension of credit at point of sale.

When you place a security freeze on your consumer report, within 5 business days of receiving your request for a security freeze, the consumer reporting agency shall provide you with a personal identification number or password to use if you choose to remove the freeze on your consumer report or to authorize the release of your consumer report to a specific party or for a specified period of time after the freeze is in place. To provide that authorization, you must contact the consumer reporting agency and provide the following:

  1. the personal identification number or password provided by the consumer reporting agency;
  2. proper identification to verify your identity; and
  3. the third party or parties who are to receive the consumer report or the specified period of time for which the report shall be available to authorized users of the consumer report.

A consumer reporting agency that receives a request from a consumer to lift a freeze on a consumer report shall comply with the request not later than 3 business days after receiving the request.

A security freeze shall not apply to a person or entity, or to its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account, that requests information relative to your consumer report for the purposes of reviewing or collecting the account, if you have previously given consent to the use of your consumer report. “Reviewing the account” includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.