Your rights: disputes and file disclosure

PullMVR is a consumer reporting agency. If we prepared a report about you, the Fair Credit Reporting Act gives you the rights described here, and they are free to use.

If something in your report is wrong

You can dispute it. Under FCRA §611 we must reinvestigate free of charge and finish within 30 days of receiving your dispute. If you send us additional information during that period, the deadline may extend to 45 days.

When you write to us, please include:

• your full name, date of birth and driver licence number and state;
• which entry you believe is wrong, and why;
• any documents that support you — a court disposition, a DMV letter;
• how to reach you with the outcome.

We verify identity before releasing or changing anything about a file. That step protects you: without it, anyone who knows your name could alter or obtain your record.

What happens next

1. We record the date we received your dispute. The 30 days start then.
2. We ask the source of the information to reverify it.
3. We decide. If the entry was wrong, we correct or delete it. If it was right, it stays and we tell you why.
4. We send you the result in writing, together with a copy of your file if it changed, and a description of these rights.
5. If you still disagree, you may add a statement of dispute to your file under FCRA §611(b). We include it in future reports.

If we corrected or deleted something, you may ask us to notify anyone who received the report in the last six months — or, for employment reports, in the last two years.

Getting a copy of your file

Under FCRA §609 you may request a copy of the information we hold about you. Under §612 that disclosure is free once every 12 months, and also free if you were denied something because of a report we prepared, if you are unemployed and seeking work, on public assistance, or believe you have been a victim of fraud.

Your rights in full

The Consumer Financial Protection Bureau publishes the official Summary of Your Rights Under the Fair Credit Reporting Act. We are required to give it to you, and we use the CFPB's own wording rather than our own.

How to reach us

Drivers in California and other states

Nothing on this page limits your rights under federal or state law. If anything here conflicts with the law, the law applies.