The Fair Credit Reporting Act in Utah
Does Utah have a Fair Credit Reporting Act?
No, the state of Utah has no additional credit reporting laws. This means that if you live in Utah, you will be relying solely on the federal Fair Credit Reporting Act.
The Fair Credit Reporting Act or ("FCRA") governs your credit report and what is contained in it. Under the Fair Credit Reporting Act, credit reporting agencies have a duty to produce accurate credit reports.
Further, any businesses that provide information to the credit reporting agencies must investigate the information that they are providing, but you can only sue them if you have disputed the accuracy directly to the credit reporting agencies.
Once again, unless you report your dispute directly to the credit reporting agencies, the businesses on your credit report cannot be held liable.
Therefore, if you ever find an inaccurate account information on your credit report, dispute that information directly to the credit reporting agency. To be thorough, you may then want to send a copy of that to the business directly.
Some examples of errors on credit reports that you will want to identify and attempt to correct in Utah are:
- having someone else's information on your credit report report or emerged,
- having an account on your credit report that is a result of identity theft,
- having account information on your credit report that is older than 7 years old, and
- having information on your credit report that is inaccurate or incomplete.
Contact Joseph McClelland, Esq.
If you feel like you have inaccurate information on your credit report and that your rights have been violated, contact us today.
Although we are not licensed to work in Utah without a local attorney, we know some great lawyers to help us help you.