Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) protects personal financial information collected by consumer reporting agencies. The Act limits those who can access such infomation, and subsequent amendments have simplified the process by which consumers can obtain and correct the information collected about themselves. The FTC also actively enforces prohibitions on fraudulently obtaining personal financial information, a crime known as " pretexting. '' A. The No Disclosure without Consent Rule No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ). 

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