Washington
WA Rev Code § 19.182.070
Disclosures to Consumers
Experian Information Solutions
P.O. Box 9701
Allen, TX 75013
Phone: 1 888 EXPERIAN (1 888 397 3742)
Website: https://experian.com
Summary of Rights Under Washington Law
Your rights under the WFCRA include:
You may request all information about you in the files of a consumer reporting agency at any time (except medical information may be withheld and given directly to your medical provider). You may request and obtain a file disclosure in person or by telephone with proper identification, or by other reasonable means made available by the consumer reporting agency and authorized by the consumer. You are entitled to one free annual file disclosure in any 12-month period. You may be charged a limited fee for each additional disclosure request made during the 12-month period. However, you may not be charged for a consumer report if a person has taken adverse action against you because of information in your report, the reinvestigation of information you dispute, or corrected reports resulting from the deletion of inaccurate or unverifiable information.
You must be notified when information in your consumer file has been used against you. If a person takes an adverse action against you, such as a denial of credit, based in whole or part on information contained in a consumer report, that person must provide you with written notice of the adverse action. In addition, the person taking adverse action must provide you with the name, address, and telephone number of the consumer reporting agency that provided the consumer report.
You have a right to dispute incomplete or inaccurate information in your file. If you identify information in your file that you believe is incomplete or inaccurate, and you notify the consumer reporting agency directly of the dispute, the agency must reinvestigate without charge and record the current status of the disputed information before the end of 30 business days. A consumer reporting agency may terminate a reinvestigation of disputed information if the agency determines that the dispute is frivolous or irrelevant.
Consumer reporting agencies must correct or delete inaccurate or unverifiable information. Upon completion of the reinvestigation, if the information you disputed is found to be inaccurate or cannot be verified, the consumer reporting agency must delete the information from your file and notify you of the correction. If information is deleted the information may not be reinserted unless the person who furnishes the information verifies that it is complete and accurate. If the reinvestigation does not resolve your dispute, you may file with the consumer reporting agency a brief statement (which may be limited to 100 words) setting forth the nature of the dispute, which will be placed in your consumer file and any subsequent consumer report containing the disputed information.
Consumer reporting agencies may not report outdated negative information, generally this means that agencies may not report negative information that is more than seven years old or bankruptcies that are more than ten years old.
Consumer reporting agencies may provide information about you only to people with a valid need, usually to consider an application with a creditor, insurer, employer, landlord, court or government agency, or in accordance with your written instructions.
You must be notified if reports are provided to employers. A consumer reporting agency may not provide information about you to employers without your knowledge. A potential employer must make a clear and conspicuous disclosure in writing to you or obtain your consent before obtaining a consumer report. A current employer may not receive a report unless it has provided you with written notice that reports may be used for employment purposes. In addition, the WFCRA imposes greater limitations than the federal FCRA on the reasons for which an employer may obtain a consumer report: an employer may not obtain a report that indicates the consumer's credit worthiness, credit standing, or credit capacity, unless the information is substantially job related and the employer's reasons for using the information are disclosed in writing, or the information is required by law.
You may seek damages from violators of the WFCRA. If a consumer reporting agency, a user of consumer report information, or a furnisher of information to a reporting agency violates the WFCRA, you may be able to bring a legal action in court to enforce your rights under the WFCRA.
For questions or complaints under the WFCRA may be directed to:
Office of the Attorney General
Consumer Protection Division
800 5th Avenue, Suite 2000
Seattle, Washington 98104
1-800-551-4636 or 206-464-6684
Information and forms related to filing a consumer complaint can be found at: http://www.atg.wa.gov/FileAComplaint.aspx.