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2.4 Mass Lawsuits for Including Expiration Date on Printed Receipts.2.3 The Red Flag rule as a cause of identity theft.2.2 Difficulty in obtaining credit reports.1.2.3 Coordination of identity theft complaint investigations.1.2.2 Blocking of information resulting from identity theft.1.2.1 Summary of rights of identity theft victims.1.2 Protection and restoration of identity theft victim credit history.1.1.3.1 Confusion with the scope of the Red Flags rule.1.1.3 Identification of possible identity theft (Red Flags rule).1.1.2 Truncation of credit and debit card numbers.1.1 Identity Theft Prevention and Credit History Restoration.Further, it requires secure disposal of consumer information. The act also contains provisions to help reduce identity theft, such as the ability for individuals to place alerts on their credit histories if identity theft is suspected, or if deploying overseas in the military, thereby making fraudulent applications for credit more difficult.
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In cooperation with the Federal Trade Commission, the three major credit reporting agencies set up the web site to provide free access to annual credit reports. The act allows consumers to request and obtain a free credit report once every 12 months from each of the three nationwide consumer credit reporting companies ( Equifax, Experian, and TransUnion). Bush on December 4, 2003, as an amendment to the Fair Credit Reporting Act. 108–159 (text) (PDF)) is a United States federal law, passed by the United States Congress on November 22, 2003, and signed by President George W. The Fair and Accurate Credit Transactions Act of 2003 ( FACT Act or FACTA, Pub.L.
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