Tshaj tawm rau lub Tsib Hlis 26, 2023
4: 20 pm
Los ntawm Julie Cortes / Hloov Kho Los Ntawm Katherine Hollingsworth
Feem ntau cov tswv ntiav siv cov kev txheeb xyuas keeb kwm yav dhau los thaum ntiav ib tus neeg ua haujlwm. Ib tus tswv ntiav neeg ua haujlwm raug tso cai siv daim ntawv txheeb xyuas keeb kwm txhaum cai tab sis yuav tsum ua raws qee cov cai. Txoj Cai Qhia Txog Kev Ncaj Ncees Ncaj Ncees (FCRA) qhia rau cov tswv ntiav seb lawv tuaj yeem ua li cas thiab ua tsis tau thaum siv daim tshev keeb kwm yav dhau.
Ib tus tswv ntiav haujlwm yuav tsum qhia rau tus neeg thov ua haujlwm tias nws muaj kev npaj ua daim ntawv txheeb xyuas keeb kwm yav dhau. Daim ntawv ceeb toom no yuav tsum yog sau ua ntawv thiab nyob rau hauv ib hom ntawv stand-alone. Daim ntawv ceeb toom tsis tuaj yeem nyob hauv daim ntawv thov ua haujlwm. Tus tswv hauj lwm yuav tsum muab tsab ntawv ceeb toom no ua ntej nws ua daim ntawv txheeb xyuas keeb kwm yav dhau. Tsis tas li ntawd, tus tswv ntiav haujlwm yuav tsum tau txais daim ntawv tso cai rau tus neeg thov ua daim ntawv txheeb xyuas keeb kwm yav dhau los.
Yog tias qhov chaw ua haujlwm txiav txim siab tsis ntiav tus neeg thov raws li kev txheeb xyuas keeb kwm yav dhau, nws yuav tsum ua ob yam. Ua ntej, tus tswv ntiav haujlwm yuav tsum muab tus neeg thov daim ntawv luam ntawm daim ntawv txheeb xyuas keeb kwm yav dhau los. Qhov thib ob, tus tswv ntiav haujlwm yuav tsum muab tus neeg ua ntawv luam ib daim qauv ntawm Tsoom Fwv Teb Chaws Trade Commission "A Summary of Your Rights Under the Fair Credit Reporting Act." Ob daim ntawv no yuav tsum muab rau tus neeg thov ua ntej tsis kam ua haujlwm. Qhov no muab sijhawm rau tus neeg thov los kho cov ntaub ntawv tsis raug hauv keeb kwm yav dhau los.
Yog hais tias tus tswv hauj lwm mus tom ntej nrog tsis kam ua hauj lwm, nws yuav tsum qhia rau tus neeg thov kev pab (hais lus, sau ntawv, los yog electronically):
- Tias tus neeg thov raug tsis lees paub vim yog cov ntaub ntawv hauv keeb kwm yav dhau los;
- Lub npe, chaw nyob thiab xov tooj ntawm lub tuam txhab uas tau tshaj tawm tsab ntawv ceeb toom;
- Tias lub tuam txhab muag daim ntawv tshaj tawm tsis tau txiav txim siab ntiav, thiab tsis tuaj yeem muab cov laj thawj tshwj xeeb rau nws; thiab
- Tias tus neeg thov kev pabcuam muaj cai tawm tsam qhov raug lossis ua tiav ntawm daim ntawv tshaj tawm thiab tau txais daim ntawv tshaj tawm dawb ntxiv los ntawm lub tuam txhab kuaj keeb kwm yav dhau los hauv 60 hnub.
Lub tuam txhab tshuaj xyuas keeb kwm yav dhau tuaj yeem tshaj tawm kev txiav txim siab, txawm tias muaj hnub nyoog li cas. Lawv yuav tsum tsis txhob tshaj tawm cov kev txiav txim siab uas raug kaw lossis raug tshem tawm, tab sis lawv tsis tas yuav hloov kho lawv cov ntaub ntawv raws sijhawm. Kev ntes, feem ntau, tsis tuaj yeem tshaj tawm yog tias lawv muaj hnub nyoog tshaj xya xyoo.
Muaj ntau qhov yuam kev uas cov tuam txhab tshawb xyuas keeb kwm yav dhau los qhia rau cov tswv ntiav. Piv txwv li, cov ntaub ntawv tej zaum yuav tsis ncaj ncees lawm, los yog cov ntaub ntawv tej zaum yuav hais txog lwm tus neeg uas muaj tib lub npe los yog hnub yug. Lub tuam txhab tshuaj xyuas keeb kwm yav dhau kuj tseem tuaj yeem tshaj tawm cov ntaub ntawv los ntawm kev hais tias: “Muaj kev txiav txim siab nrog Mr. X. Qhov no tej zaum yuav los yog tsis yog koj X. "
Yog tias koj tab tom thov rau txoj haujlwm thiab koj kawm txog qhov chaw ua haujlwm tau txais daim ntawv txheeb xyuas keeb kwm tsis raug, koj yuav tsum tau tawm tsam qhov tsis raug. Xav paub ntau ntxiv txog koj cov cai muaj nyob rau ntawm Tsoom Fwv Teb Chaws Trade Commission: Tus neeg ua haujlwm tom qab kuaj xyuas thiab koj txoj cai | Consumer Advice (ftc.gov).
Tsab ntawv xov xwm no tau luam tawm hauv Legal Aid tsab ntawv xov xwm, "The Alert" Volume 39, Issue 1, in May 2023. Saib tag nrho qhov teeb meem ntawm qhov txuas no: “Lub Ceeb Toom”- Volume 39, Issue 1 – Legal Aid Society of Cleveland.