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WE WANT COMPLETE ACCURACY TO YOUR RECORDS IN OUR DATA PLATFORMS.

Verisys takes pride in our data collection, scientific verification processes, and data security measures. We’re committed to correcting any data or mismatched records as quickly as possible to ensure the integrity of our records.

Here are some common reasons for filing a dispute:

If you’d like to learn more, read about your Rights under the Fair Credit Reporting Act (FCRA).

Follow this quick and painless online process to get things started immediately. Once you hit the SUBMIT button, we’ll leap into action and are bound by Fair Credit Reporting Act (FCRA) Regulations to resolve the issue in 30 calendar days.

Here is a short summary of our process.

VERISYS’ DISPUTE RESOLUTION PROCESS

We start by carefully reviewing for a possible process error. Then we contact the reporting primary source. Then one of three things will take place:

Then, you will receive an investigation report with all the details of the investigation and the final determination.

By completing and submitting this form, you are requesting that the item(s) identified be removed or updated to correct the information. To assure correct identity matching, personally identifiable information (PII) is required. We practice the highest level of data security as a certified entity by ISO 27001 for Information Security Management.

Please describe and upload disputed items below. List each item disputed by the name of the source and what is inaccurate or incomplete. Provide as much information as possible so we can get right into action. When uploading the documents in dispute, you may take a screenshot from your computer, take a photo with your phone, or submit a file you requested. Our system accepts JPGs, PNGs, or PDFs.

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A SUMMARY OF YOUR RIGHTS UNDER THE FAIR CREDIT REPORTING ACT

(From the Consumer Financial Protection Bureau)

Para información en español, visite www.consumerfinance.gov/learnmore o escribe a la Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

A Summary of Your Rights Under the Fair Credit Reporting Act

The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. There are many types of consumer reporting agencies, including credit bureaus and specialty agencies (such as agencies that sell information about check writing histories, medical records, and rental history records). Here is a summary of your major rights under FCRA. For more information, including information about additional rights, go to www.consumerfinance.gov/learnmore or write to: Consumer Financial Protection Bureau, 1700 G Street N.W., Washington, DC 20552.

o A person has taken adverse action against you because of information in your credit report;

o You are the victim of identity theft and place a fraud alert in your file;

o Your file contains inaccurate information as a result of fraud;

o You are on public assistance;

o You are unemployed but expect to apply for employment within 60 days.

In addition, all consumers are entitled to one free disclosure every 12 months upon request from each nationwide credit bureau and from nationwide specialty consumer reporting agencies. See www.consumerfinance.gov/learnmore for additional information.

reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.

CONSUMERS HAVE THE RIGHT TO OBTAIN A SECURITY FREEZE

You have a right to place a “security freeze” on your credit report, which will prohibit a consumer reporting agency from releasing information in your credit report without your express authorization. The security freeze is designed to prevent credit, loans, and services from being approved in your name without your consent. However, you should be aware that using a security freeze to take control over who gets access to the personal and financial information in your credit report may delay, interfere with, or prohibit the timely approval of any subsequent request or application you make regarding a new loan, credit, mortgage, or any other account involving the extension of credit.

As an alternative to a security freeze, you have the right to place an initial or extended fraud alert on your credit file at no cost. An initial fraud alert is a 1-year alert that is placed on a consumer’s credit file. Upon seeing a fraud alert display on a consumer’s credit file, a business is required to take steps to verify the consumer’s identity before extending new credit. If you are a victim of identity theft, you are entitled to an extended fraud alert, which is a fraud alert lasting 7 years.

A security freeze does not apply to a person or entity, or its affiliates, or collection agencies acting on behalf of the person or entity, with which you have an existing account that requests information in your credit report for the purposes of reviewing or collecting the account. Reviewing the account includes activities related to account maintenance, monitoring, credit line increases, and account upgrades and enhancements.

States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under state law. For more information, contact your state or local consumer protection agency or your state Attorney General.