Credit Reports – National Consumer Law Center
Credit Reports Comments and Testimony
- Written Statement for CFPB’s Symposium on Consumer Access to Financial Records, Section 1033 of the Dodd-Frank Act[35], Feb. 12, 2020
- Testimony of NCLC Associate Director Lauren Saunders before the U.S. House Financial Services Committee on Data Aggregators[36], Nov. 21, 2019
- NCLC and other advocacy groups comments to the FTC re: Safeguards Rule[37], Aug. 2, 2019
- Testimony of Chi Chi Wu before the U.S. House Task Force [38]on Use of Alternative Credit Data to Expand Access to Credit[39], July 2019
- Group comments to the FHFA re: Validation and Approval of Credit Score Models[40], March 21, 2019
- Testimony of Chi Chi Wu to U.S. House Financial Services: “Who’s Keeping Score? Holding Credit Bureaus Accountable and Repairing a Broken System”[41], February 26, 2019
- Group comments to the Federal Trade Commission Re: Military Credit Monitoring Rulemaking[42], Matter No. R811007, Jan. 7, 2019
- Consumer, Civil Rights, and Privacy Advocates comments to the Department of Homeland Security opposing Notice of Proposed Rulemaking on Public Charge Determinations[43], Dec. 10, 2018
- Comments to the Federal Housing Finance Agency regarding updating the credit scoring models used by Fannie Mae and Freddie Mac[44], March 30, 2018
- Comments in Response to Request for Information Regarding Consumers’ Experience with Free Access to Credit Scores[45], Feb. 12, 2018
- Testimony of NCLC attorney Chi Chi Wu before the U.S. House Financial Services Committee re: Consumer Protections and Equifax Data Breach,[46] Oct. 25, 2017
- Testimony of Chi Chi Wu to U.S. House Financial Services Opposing Weakening FCRA Protections[47], September 7, 2017
- Group comments to CFPB’s Request for Information on Alternative Data[48], May 19, 2017
Credit Reports Letters
- Letter prompted by COVID-19 economic upheaval calling on Equifax, Experian, and TransUnion to provide credit reports in Spanish and other languages used by consumers who are limited English proficient[50], October 19, 2020. Response from Consumer Data Industry Association (credit bureau trade group)[51], October 29, 2020. Response from Equifax[52], October 30, 2020
- Letter Urging CFPB to Rescind Guidance Permitting Industry to exceed FCRA Dispute Investigation Deadlines[53], September 24, 2020 Response of CFPB Director Kraninger[54], November 9, 2020
- Support letter for credit reporting provisions of the HEROES Act/S.3508[55], June 24, 2020
- Consumer Groups’ Letter in Support of H.R.5332 Protecting Your Credit Score Act[56]. (Gottheimer)
- Group Letter[57] urging Congress to include S. 1581[58]/HR 6470[59] the Medical Debt Relief Act of 2019 in the next Covid-19 relief package, May 11, 2020
- Consumer groups’ letter of support re: Consumer Credit Control Act[60], Oct. 21, 2019
- Letter in support of the Accurate Access to Credit Information Act 2019[61], July 2019
- Letter responding to U.S. Senators Mike Crapo and [62]Sherrod Brown[63]‘s Call for Feedback on Data Privacy, Protection, and Collection[64], Mar. 15, 2019
- Letter urging credit bureaus to provide credit reporting relief to employees of federal contractors and small businesses affected by the shutdown[65], Jan. 25, 2019
- Letter urging credit bureaus to provide credit reporting relief to consumers affected by natural disasters[66], Jan. 18, 2019
- Letter urging credit bureaus to provide credit reporting relief to federal workers affected by the shutdown[67], Jan. 18, 2019
- Letter[68] on credit reporting aspects of S. 2155, Apr. 30, 2018
- Consumer groups letter to CEOs of credit reporting agencies re: quarterly earnings[69], Nov. 17, 2017
- H.R. 435, Credit Access and Inclusion Act. Consumer opposition letter[70], Dec. 8, 2017
- Letter[71] supporting S. 1819, The Equal Employment for All Act (Warren), Sept. 19, 2017