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The Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq., is federal legislation enacted to promote the accuracy, fairness, and privacy of consumer information contained in the files of consumer reporting agencies. It was intended to shield consumers from the willful and/or negligent inclusion of erroneous data in their credit reports.
Woodbury, Minnesota. , United States. Parent. FIS. Website. chexsystems.com. ChexSystems is an American check verification service and consumer reporting agency owned by the eFunds subsidiary of Fidelity National Information Services. It provides information about the use of deposit accounts by consumers.
TransUnion LLC is an American consumer credit reporting agency. TransUnion collects and aggregates information on over one billion individual consumers in over thirty countries including "200 million files profiling nearly every credit-active consumer in the United States". [4] Its customers include over 65,000 businesses. [5]
Here are five cashier’s check scams to avoid: Mystery shopper scam. Craigslist scam. Work-from-home scam. Property rental scam. Foreign lottery scam. 1. Mystery Shopper Scams. Mystery shoppers ...
The Consumer Financial Protection Bureau (CFPB) is an independent agency of the United States government responsible for consumer protection in the financial sector.CFPB's jurisdiction includes banks, credit unions, securities firms, payday lenders, mortgage-servicing operations, foreclosure relief services, debt collectors, for-profit colleges, and other financial companies operating in the ...
A credit bureau is a data collection agency that gathers account information from various creditors and provides that information to a consumer reporting agency in the United States, a credit reference agency in the United Kingdom, a credit reporting body in Australia, a credit information company (CIC) in India, a Special Accessing Entity in the Philippines, and also to private lenders. [1]
A bad check restitution program (BCRP) is a program in the United States that works to retrieve funds from bad check writers in order to repay moneys owed to the recipients of the checks. In other words, these are debt collection operations. Many of these programs are operated by private companies that add fees that may exceed $200, regardless ...
The Secret Service is tasked with safeguarding the payment and financial systems of the United States from a wide range of financial and cyber-based crimes. Financial investigations include counterfeit U.S. currency, bank and financial institution fraud, mail fraud, wire fraud, illicit financing operations, and major conspiracies.