FCRA Compliance & Your Consumer Rights
Effective Date: June 25, 2026
Membership Integrity LLC operates as a Consumer Reporting Agency (CRA) under the Fair Credit Reporting Act (FCRA), 15 U.S.C. § 1681 et seq. We are committed to full compliance with the FCRA and all applicable state consumer reporting laws.
A Summary of Your Rights Under the FCRA
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies. You have the following rights:
1. Right to Know What Is in Your File
You may request and obtain all the information about you in the files of a consumer reporting agency. You will be required to provide proper identification. In many cases, the disclosure will be free. You are entitled to a free file disclosure if:
- A person has taken adverse action against you because of information in your credit report
- You are the victim of identity theft and place a fraud alert in your file
- Your file contains inaccurate information as a result of fraud
- You are on public assistance
- You are unemployed but expect to apply for employment within 60 days
2. Right to Ask for a Credit Score
Credit scores are numerical summaries of your credit-worthiness based on information from credit bureaus. You may request a credit score from consumer reporting agencies that create scores or distribute scores used in residential real property loans.
3. Right to Dispute Incomplete or Inaccurate Information
If you identify information in your file that is incomplete or inaccurate, and report it to the consumer reporting agency, the agency must investigate unless your dispute is frivolous. See www.consumerfinance.gov/learnmore for an explanation of dispute procedures.
4. Right to Have Outdated Negative Information Removed
In most cases, a consumer reporting agency may not report negative information that is more than seven years old, or bankruptcies that are more than 10 years old.
5. Right to Limit Access to Your File
A consumer reporting agency may provide information about you only to people with a valid need — usually to consider an application with a creditor, insurer, employer, landlord, or other business.
6. Right to Seek Damages from Violators
If a consumer reporting agency, or, in some cases, a user of consumer reports or a furnisher of information to a consumer reporting agency violates the FCRA, you may be able to sue in state or federal court.
7. Right to Place 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.
Adverse Action Notice
If a background check result is used to make an adverse decision (e.g., denial of membership, volunteer role, or vendor participation), you have the right to:
- Receive a copy of the consumer report used
- Be informed of the consumer reporting agency that provided the report
- Dispute the accuracy or completeness of any information in the report
- Have a second free copy of your report within 60 days
Contact Us to Exercise Your Rights
To dispute information, request your file, or exercise any FCRA right, contact us at:
Membership Integrity LLC
Email: support@membershipintegrity.com
You may also contact the Consumer Financial Protection Bureau (CFPB) at www.consumerfinance.gov or 1-855-411-2372.