Your rights, in language you should not need a lawyer to read.
HVR intends to operate as a consumer reporting agency. That means you have rights about the information we hold, and specific things we must do when you exercise them.
What you can do.
Each of these is a working product surface, not a request form that lands in a queue.
See your file
Request a copy of the information HVR holds about you, including where each item came from.
Get a copy of a report
Request a report that was provided about you, and see which organization received it.
Dispute information
Tell us an item is inaccurate or incomplete. We reinvestigate and record the outcome as a new report version.
Track your dispute
See what stage a reinvestigation is at and what the expected next update is.
Report identity theft
Tell us if you believe information relates to identity theft, and we handle it on a separate track.
Know who asked
See which organizations received a report about you and when.
What employers must do.
If you use HVR reports, these obligations are yours, not ours. We build the product to support them.
Requires review by qualified counsel
State-specific rights
Several states give consumers additional rights, including different file-access, fee and notice rules. Select your state to see what applies.
See state rightsNotices and forms
Summary of consumer rightsDisclosure and authorization templatePre-adverse action noticeAdverse action noticeDispute submission formPlaceholders. Final content pending counsel review.