The Fair Credit Reporting Act or (FCRA) is a federal law and requires creditors, also known as furnishers, and the crediting reporting agencies to do several things regarding the accuracy of the credit reports.
In Tennessee, you have the right to sue them for damages and get your day in court.
The state of Tennessee is happy with not providing its residents with any additional credit reporting rights. If you live in Tennessee you should contact your representative and show them how other states help their people fight big corporations and the credit reporting agencies.
VERDICT: TENNESSEE'S FAIR CREDIT REPORTING ACT DOES NOT EXIST AND CAN'T HELP YOU.
Even if you don't have new rights in Tennessee, you still have good rights under the FCRA. Let us help you if you need something.
Although we are not licensed to work in Tennessee without a local attorney, we know some great lawyers to help us help you.