Under the Fair Credit Reporting Act

Under the Fair Credit Reporting Act:

A) credit reports may be used by potential employers and lenders, but not insurers.
B) consumer reporting agencies must notify consumers, orally or in writing, before making an investigative report.
C) if a consumer does not agree with information in the file and so notifies the reporting agency, the agency must reinvestigate the matter, even if the agency thinks the complaint is frivolous or irrelevant.
D) upon request, each nationwide consumer reporting company must provide a free copy of an individual's credit report once every 12 months.