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Consumer Rights

See revision history for a summary of all changes.

As a consumer, your rights with respect to court data associated with you depend upon how that information was obtained and used:

  • Some of the information reported by Judici.com, including criminal and civil court case records, constitutes consumer information that is regulated by the Fair Credit Reporting Act (FCRA) when used for any of the purposes specified in the FCRA. Judici.com pages with the name of a single court prominently displayed near the top of the page and intended to facilitate access to the Data of only that court ("Court Pages"), are hosted on Judici.com servers by Judici.com acting as agent of that court. The court, and thus its Court Pages, are EXEMPT from the requirements of the FCRA. In such circumstances, the following summary of consumer rights does NOT apply.
  • Judici pages which aggregate data from MULTIPLE courts, are NOT hosted on behalf of a single court, and thus may be subject to the requirements of the FCRA, if and when they are used for any of the purposes specified in the FCRA. Under such circumstances, the following describes your rights under the FCRA.

As a consumer, you have rights under the Fair Credit Reporting Act (FCRA).

The following is a summary of your rights, as a consumer, under the FCRA:

A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) is designed to promote accuracy, fairness, and privacy of information in the files of every "consumer reporting agency" (CRA). Most CRAs are credit bureaus that gather and sell information about you -- such as if you pay your bills on time or have filed bankruptcy -- to creditors, employers, landlords, and other businesses. The complete text of the FCRA is in 15 U.S.C. 1681-1681u, at the Federal Trade Commission's web site (http://www.ftc.gov). The FCRA gives you specific rights, as outlined below. You may have additional rights under state law. You may contact a state or local consumer protection agency or a state attorney general to learn those rights.

  • You must be told if information in your file has been used against you for a purpose regulated by the FCRA. Anyone who uses information from a CRA to take certain actions against you -- such as denying an application for credit, insurance, or employment -- must tell you, and give you the name, Mailing Address, and phone number of the CRA that provided the consumer report.
  • You can find out what is in your file. At your request, a CRA must give you the information in your file, and a list of everyone who has requested it recently. To receive a copy of the list of everyone who has recently requested your consumer report, see the CONSUMER INFORMATION DISCLOSURE section below. There is no charge for the report if a person has taken action against you because of information supplied by the CRA, if you request the report within 60 days of receiving notice of the action. You also are entitled to one free report every twelve months upon request if you certify that (1) you are unemployed and plan to seek employment within 60 days, (2) you are on welfare, or (3) your report is inaccurate due to fraud. Otherwise a CRA may charge you up to eight dollars.
  • You can dispute inaccurate information with the CRA. If you tell a CRA that your file contains inaccurate information, the CRA must investigate the items (usually within 30 days) by presenting to its information source all relevant evidence you submit, unless your dispute is frivolous. The source must review your evidence and report its findings to the CRA. (The source also must advise national CRAs -- to which it has provided the data -- of any error.) The CRA must give you a written report of the investigation, and a copy of your report if the investigation results in any change. If the CRA's investigation does not resolve the dispute, you may add a brief statement to your file. The CRA must normally include a summary of your statement in future reports. If an item is deleted or a dispute statement is filed, you may ask that anyone who has recently received your report be notified of the change. To dispute inaccurate information in your file, see the DISPUTE OF ACCURACY section below.
  • Inaccurate information must be corrected or deleted. A CRA must remove or correct inaccurate or unverified information from its files, usually within 30 days after you dispute it. However, the CRA is not required to remove accurate data from your file unless it is outdated (as described below) or cannot be verified. If your dispute results in any change to your report, the CRA cannot reinsert into your file a disputed item unless the information source verifies its accuracy and completeness. In addition, the CRA must give you a written notice telling you it has reinserted the item. The notice must include the name, address and phone number of the information source.
  • You can dispute inaccurate items with the source of the information. If you tell anyone -- such as a creditor who reports to a CRA -- that you dispute an item, they may not then report the information to a CRA without including a notice of your dispute. In addition, once you've notified the source of the error in writing, it may not continue to report the information if it is, in fact, an error.
  • Outdated information may not be reported. In most cases, a CRA may not report negative information that is more than seven years old; ten years for bankruptcies
  • Access to your file is limited. A CRA may provide information about you only to people with a need recognized by the FCRA -- usually to consider an application with a creditor, insurer, employer, landlord, or other business.
  • Your consent is required for reports that are provided to employers, or reports that contain medical information. A CRA may not give out information about you to your employer, or prospective employer, without your written consent. A CRA may not report medical information about you to creditors, insurers, or employers without your permission.
  • You may choose to exclude your name from CRA lists for unsolicited credit and insurance offers. Creditors and insurers may use file information as the basis for sending you unsolicited offers of credit or insurance. Such offers must include a toll-free phone number for you to call if you want your name and address removed from future lists. If you call, you must be kept off the lists for two years. If you request, complete, and return the CRA form provided for this purpose, you must be taken off the lists indefinitely.
  • You may seek damages from violators. If a CRA, a user or (in some cases) a provider of CRA data, violates the FCRA, you may sue them in state or federal court.

The FCRA gives several different federal agencies authority to enforce the FCRA:

FOR QUESTIONS OR CONCERNS REGARDING: PLEASE CONTACT:
CRAs, creditors and others not listed below
Federal Trade Commission
Consumer Response Center - FCRA
Washington, DC 20580
202-326-3761
National banks, federal branches/agencies of foreign banks (word "National" or initials "N.A." appear in or after bank's name)
Office of the Comptroller of the Currency Compliance Management, Mail Stop 6-6
Washington, DC 20219
800-613-6743
Federal Reserve System member banks (except national banks, and federal branches/agencies of foreign banks)
Federal Reserve Board
Division of Consumer & Community Affairs
Washington, DC 20551
202-452-3693
Savings associations and federally chartered savings banks (word "Federal" or initials "F.S.B." appear in federal institution's name)
Office of Thrift Supervision
Consumer Programs
Washington, DC 20552
800-842-6929
Federal credit unions (words "Federal Credit Union" appear in institution's name)
National Credit Union Administration
1775 Duke Street
Alexandria, VA 22314
703-518-6360
State-chartered banks that are not members of the Federal Reserve System
Federal Deposit Insurance Corporation Division of Compliance & Consumer Affairs
Washington, DC 20429
800-934-FDIC
Air, surface, or rail common carriers regulated by former Civil Aeronautics Board or Interstate Commerce Commission
Department of Transportation
Office of Financial Management
Washington, DC 20590
202-366-1306
Activities subject to the Packers and Stockyards Act, 1921
Department of Agriculture
Office of Deputy Administrator - GIPSA
Washington, DC 20250
202-720-7051

You may print a copy of this page for your records, or if you would like to have a copy of "A Summary of Your Rights Under the Fair Credit Reporting Act" sent to you by U.S. mail send a request via U.S. mail or fax to:

Mailing Address:

Judici.com
PO Box 803338 #66574
Chicago, Illinois 60680-3338
Fax: 618-549-0675
ATTN: Consumer Rights Summary

Please include all of the following information:

  • Your name
  • Your address


RECENT REQUESTS FOR YOUR CONSUMER REPORT

As a consumer, in addition to other rights under the FCRA, you have the right to a list of all of the persons (if any) that recently requested a copy of your consumer report. Where your consumer report was used for employment purposes, the list will include requests made within the last two (2) years. Where your consumer report was used for any other permissible purpose, the list will include requests made within the last year.

To receive a copy of the list of recent requests for your consumer report, send a request via U.S. mail or fax to:

Mailing Address:

Judici.com
PO Box 803338 #66574
Chicago, Illinois 60680-3338
Fax: 618-549-0675
ATTN: Recent Requests

Please include all of the following information, which will form the basis of the report:

  • Your full name
  • Date of birth

Please provide all of the following as well:

  • Your complete home address to which the report should be sent;
  • Your phone number, in case we need to contact you;
  • Your Social Security Number; and
  • A signed statement verifying that you are the consumer seeking this information concerning your consumer report.

CONSUMER INFORMATION DISCLOSURE

As a consumer, in addition to other rights under the FCRA, you have the right to a copy of your credit report:

  1. As a consumer, you are entitled to a FREE copy of your consumer report if you have been the subject of an adverse action, such as denial of employment, credit, or insurance within the past 60 days, based in whole or in part on the information contained in your consumer report.
  2. As a consumer, you are also entitled to one (1) FREE copy of your consumer report every twelve (12) month period if you certify one of the following reasons applies:
    • you are unemployed and intend to apply for employment within 60 days;
    • you are receiving public welfare assistance; or
    • you believe your consumer file contains inaccurate information due to fraud.
  3. In addition, as a consumer resident of one of the following states, you are entitled to a FREE copy of your consumer report:
    • Colorado
    • Georgia
    • Maryland
    • Massachusetts
    • New Jersey
    • Vermont

To receive a FREE copy of your consumer report, send a request via U.S. mail or fax to:

Mailing Address:

Judici.com
PO Box 803338 #66574
Chicago, Illinois 60680-3338
Fax: 618-549-0675
ATTN: Consumer File Disclosure

Please include all of the following information, which will form the basis of the report:

  • Your full name
  • Date of birth

Please provide all of the following as well:

  • Your complete home address to which the report should be sent;
  • Phone number; in case we need to contact you;
  • Your Social Security Number;
  • The specific reason you are entitled to a free consumer file disclosure including:
    • The name of the organization that took any adverse action (if applicable)
    • The date of the adverse action (if applicable)
    • A signed statement verifying that you are the consumer seeking your own consumer report and that your reason for seeking the FREE consumer report is true.

To receive a FREE copy of your consumer report, send a request via U.S. mail or fax to:

Mailing Address:

Judici.com
PO Box 803338 #66574
Chicago, Illinois 60680-3338
Fax: 618-549-0675
ATTN: Judici.com Consumer File Disclosure

Please include all of the following information, which will form the basis of the report:

  • Your full name;
  • Your complete home address;
  • Your phone number;
  • Your Social Security Number; and
  • A signed statement verifying that you are the consumer seeking your own consumer report.

As a consumer, you are entitled to a copy of your consumer report for a fee. To receive a copy of your consumer report, send a request via U.S. mail or fax to:

Mailing Address:

Judici.com
PO Box 803338 #66574
Chicago, Illinois 60680-3338
Fax: 618-549-0675
ATTN: Judici.com Consumer File Disclosure

Please include all of the following information:

  • Your full name;
  • Your complete home address;
  • Your phone number;
  • Your Social Security Number;
  • A signed statement verifying that you are the consumer seeking your own consumer report; and
  • A personal check made payable to Judici.com for the proper fee set forth below.

Depending on your state of residence, the following fees apply:

  • $3.00 in Maine and Minnesota;
  • $5.00 in Conneticut;
  • $8.00 in all other states.


DISPUTE OF ACCURACY

As a consumer, you have the right to dispute the accuracy of information in your credit report. To you dispute the accuracy of information in your consumer report provided through this site, please send a letter by U.S. Mail or fax to the following address:

Mailing Address:

Judici.com
PO Box 803338 #66574
Chicago, Illinois 60680-3338
Fax: 618-549-0675
ATTN: Information Verification

Please include all of the following information, which will form the basis of the report:

  • Your full name
  • Date of birth

Please provide all of the following information as well:

  • Address to which ther report should be sent
  • Phone number, in case we need to contact you
  • A specific description of the particular information you dispute including the name of the organization (the court) reporting the information
  • A signed statement verifying that you are the consumer seeking your own consumer report

Section 611 of the FCRA lays out the responsibilities of all parties in the event that an individual chooses to dispute the accuracy of information relating to that individual. In addition, as a consumer, you are entitled to other rights under the FCRA.



ID TG1 v.1 01/31/11
Revision History:
v.1 Baseline release, based on existing page content