Notification of Rights for Massachusetts Consumers

ECS - Accounts Page

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.

 

The purpose of this question submission tool is to provide general education on credit reporting. The Ask Experian team cannot respond to each question individually. However, if your question is of interest to a wide audience of consumers, the Experian team may include it in a future post and may also share responses in its social media outreach. If you have a question, others likely have the same question, too. By sharing your questions and our answers, we can help others as well.

Personal credit report disputes cannot be submitted through Ask Experian. To dispute information in your personal credit report, simply follow the instructions provided with it. Your personal credit report includes appropriate contact information including a website address, toll-free telephone number and mailing address.

To submit a dispute online visit Experian's Dispute Center. If you have a current copy of your personal credit report, simply enter the report number where indicated, and follow the instructions provided. If you do not have a current personal report, Experian will provide a free copy when you submit the information requested. Additionally, you may obtain a free copy of your report once a week through April 2022 at AnnualCreditReport.