The Fair Credit Reporting Act ("FCRA") is designed to help ensure that credit reporting agencies furnish correct and complete information to businesses to use when evaluating your application.
Your rights under the Fair Credit Reporting Act include the right to:

• Receive a copy of your credit report. The copy of your report must contain all of the information in your file at the time of your request.
• Know the name of anyone who received your credit report in the last year for most purposes or in the last two years for employment purposes.
• Have the name and address of any credit reporting agency which was contact by any company that denies your application, provided the denial was based on information given by the credit reporting agency.
  
• A free copy of your credit report when your application is denied because of information supplied by a credit reporting agency. Your request must be made within 60 days of receiving your denial notice.
• Add a summary explanation to your credit report if your dispute is not resolved to your satisfaction

If you contest the completeness or accuracy of information in your credit report, you should file a dispute with the credit reporting agency and with the company that furnished the information to the credit reporting agency.