The Fair and Accurate Credit Transactions Act (FACT Act) was enacted in 2003 and amends the Fair Credit Reporting Act (FCRA), a federal law that regulates, in part, who is permitted to access your consumer report information and how it can be used. The FACT Act entitles consumers to obtain one free copy of their consumer files from certain consumer reporting agencies during each 12-month period.
View the Notice to Users of Consumer Reports.
If Sterling has prepared a consumer report or investigative consumer report in your name for one or more of our clients and you would like to receive a free copy of the report(s) in your file you may contact us by using one of the options mentioned below.
To request a free copy of a report by mail:
If you would prefer to send your request by mail, Sterling will need your full legal name, social security number, and date of birth along with your daytime telephone number and return address.
Send your request to:
ATTN: Consumer Reports
4511 Rockside Road,
Independence OH 44131
To request a free copy of a report by telephone:
To request a free copy of any report(s) prepared in your name, call 888-889-5248 between the hours of 8:00 a.m. to 8:00 p.m. Eastern Time. Trained representatives are available to answer your questions and to assist you with obtaining a copy of your consumer report by telephone request.