For consumers who believe that there is incorrect information on their creditreports or who have an issue with an investigation, before filing with the CFPB, they should first file a dispute and get a response from the consumer reporting agency itself.
While millions of consumers have grown comfortable with entering credit-card information into a Web site, reports of massive identity theft continue to crimp online sales.
Under current laws, people who have been denied credit, as well as consumers who believe that their files contain inaccurate information due to fraud, are among those entitled to free creditreports.
The New York Times reports that hackers associated with Anonymous have apparently stolen subscriber information, including names and credit cards, from the security news site Stratfor.