Under the Fair Credit Reporting Act, which right does the consumer have regarding the information in their credit report?

• A. The right to challenge any of the information.
• B. The right to delete information that is accurate.
• C. The right to modify data at the credit bureau.
• D. The right to withhold consent for the report.

Answer: (D)

The key idea is that the consumer controls whether a credit report can be accessed. Under the Fair Credit Reporting Act, a consumer report cannot be furnished to a lender or other entity without the consumer’s authorization. That means the consumer has the right to withhold consent for the report, protecting their privacy by limiting who can view their credit information. The other options don’t fit as well: you can dispute information that’s inaccurate, but you can’t delete accurate data or modify what the bureau has on file; and the notion of deleting or altering data isn’t a general right. Withholding consent directly reflects the consumer’s control over access to their report.