Consumer Credit Rights – Arizona

In addition to your federal consumer credit rights you have additional rights under Arizona law.

You have a right to obtain a copy of your credit report from a credit bureau for a small fee. The report must include all the facts, allegations or sources upon which the credit report was based. The report must contain the name and address of each person/organization requesting a copy of a report about you in the last six months.

You have a right to dispute inaccurate information by contacting the credit bureau directly. The credit bureau must respond to your dispute within thirty days of your submission. If the credit bureau admits to an inaccuracy they must fix it immediately. Upon your request they must also report the correction to anyone who has received a copy of your credit report in the last six months.

You have a right to file a claim against a surety bond on file with the Arizona Corporation Commission if the credit services organization ( has violated any provision of Article 7, Chapter 11, Title 44 of the Arizona statutes. The claim cannot exceed your actual loss. The bond was issued by International Fidelity Insurance Company, One Newark Center, Newark NJ 07102.

Upd: 2016-03-10