The Fair Credit Reporting Act in Arizona

Arizona Fair Credit Reporting Act Information

Arizona’s §44-1691, et seq.  is basically the same as federal Fair Credit Reporting Act and covers issues such as who may see the report, the FCRA dispute process, and, provides for liability for failing to remove a security freeze on a credit report (44-1695).

Does the state of Arizona have any valid credit reporting laws to get false items off of your credit report?

No, the state of Arizona does not have any valid, additional credit reporting laws than those under the FCRA.

Does the state of Arizona have any valid credit reporting laws to stop employers from reviewing my credit report?

No, the state of Arizona does not have any valid, additional credit reporting laws than those under the FCRA.

What does that mean?

Well, that said if you live in Arizona you will rely entirely on the federal Fair Credit Reporting Act. This act requires credit reporting agencies or credit bureaus to maintain credit reports that are accurate.

It also provides that if a consumer like yourself disputes and accurate information on the credit report, credit bureaus have an obligation to relay information to the business that is hoarding that to them. 

That business or creditor then has an obligation to a reasonable investigation into its own documents to determine if the information they're reporting is correct, they are required to provide that information to the credit reporting agencies for them to update their files, and then notify you of any changes. 

The information has not been corrected, you may be entitled under the Fair Credit Reporting inaccurate.

Can You Sue under the Fair Credit Reporting Act if You Live in Arizona?

Yes. You have the right to file a lawsuit for damages for violations of the Fair Credit Reporting Act.

Contact Joseph McClelland, Esq. 

If this is your situation, you may consider reaching out to us to see if we may further assist you.

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