Consumer rights
A plain-language summary of your rights regarding information HVR holds about you.
LAST UPDATED 27 AUG 2026 · VERSION 0.9 DRAFT
Draft — requires review by qualified counsel
01You can see your file
You may request a copy of the information in your file, including the sources of that information.
02You can get a copy of a report
If a report was provided about you, you may request a copy and learn which organization received it.
03You can dispute information
If you believe something is inaccurate or incomplete, tell us. We reinvestigate and record the result.
04Inaccurate information gets corrected
Where a reinvestigation shows information is inaccurate or cannot be verified, it is corrected or removed and a new report version is issued.
05You are told who received a report
You may request a list of organizations that received a report about you.
06You have additional rights in some states
Several states provide additional rights, including different access, fee and notice rules.
07Identity theft
If you believe information relates to identity theft, tell us and we handle it on a separate track.
08Adverse action
If an organization takes adverse action based in whole or part on a report, it must follow a specific notice process.