Your consumer rights are always free
Everyone with a Hub or Dub account keeps these rights at no cost, on every plan, in every country we serve. Applicable law (like the U.S. Fair Credit Reporting Act, or the equivalent consumer reporting statute in your jurisdiction) governs where you live.
Free copy of your file
Request a copy of your consumer file any time. No fees, no gatekeeping.
Dispute anything inaccurate
If something is inaccurate, incomplete, or unverifiable, open a dispute. We investigate.
See every investigation
Track dispute status and results in real time. You always know where things stand.
Your legal notices
Access every required notice, disclosure, and educational material for your region.
1. Permissible purpose categories
An HOD Report that is a consumer report may be furnished only for one of the permissible purposes enumerated in 15 U.S.C. § 1681b, including:
- Written instructions of the consumer to whom the report relates.
- Extension of credit, review, or collection of an account of the consumer.
- Employment purposes, subject to separate written disclosure and authorization under 15 U.S.C. § 1681b(b).
- Underwriting of insurance involving the consumer.
- Determination of eligibility for a license or benefit granted by a governmental instrumentality required by law to consider financial responsibility.
- Legitimate business need in connection with a business transaction initiated by the consumer, or to review an account to determine whether the consumer continues to meet the terms of the account.
- Court orders or federal grand jury subpoenas.
2. User certification
Every user requesting an HOD Report for a consumer reporting purpose must, prior to access and prior to each renewal, provide a written certification identifying (i) the specific permissible purpose, (ii) the consumer to whom the report relates, (iii) the intended use, (iv) compliance with all federal, state, and local laws applicable to that use, and (v) that the report will not be used for any other purpose. Certifications are logged with a timestamp, IP address, and account identifier and are retained as part of the audit trail.
3. Employment reports
If you intend to use an HOD Report for employment purposes, you must (a) make a clear and conspicuous written disclosure to the consumer in a document consisting solely of the disclosure, (b) obtain the consumer’s written authorization, (c) before taking any adverse action based in whole or in part on the report, provide the consumer with a copy of the report and a copy of “A Summary of Your Rights Under the Fair Credit Reporting Act” issued by the Consumer Financial Protection Bureau, and (d) after taking adverse action, provide notice as described in Section 5. Additional state and local requirements (including “ban the box,” fair-chance laws, and pay-inquiry laws) may apply and are your responsibility to satisfy.
4. Investigative consumer reports
If your use meets the definition of an “investigative consumer report” under 15 U.S.C. § 1681a(e), you must provide the consumer with the disclosure required by 15 U.S.C. § 1681d and honor requests for the nature and scope of the investigation.
5. Adverse action notice obligations
Any person who takes an adverse action against a consumer based in whole or in part on an HOD Report obtained for a permissible purpose must provide the consumer with (i) notice of the adverse action, (ii) the name, address, and toll-free telephone number of Hub or Dub, (iii) a statement that Hub or Dub did not make the decision and cannot provide the specific reasons for it, and (iv) notice of the consumer’s right to obtain a free file disclosure from Hub or Dub within sixty (60) days and to dispute the accuracy or completeness of the information, all in accordance with 15 U.S.C. § 1681m. Additional risk-based pricing notices may be required under 15 U.S.C. § 1681m(h).
6. Consumer rights honored by Hub or Dub
- Free file disclosure once every twelve months and in the circumstances required by 15 U.S.C. § 1681j.
- Dispute and reinvestigation under 15 U.S.C. § 1681i, completed within thirty (30) days (extended by up to fifteen (15) days if you supply additional information during the investigation).
- Correction, deletion, or notation of inaccurate, incomplete, or unverifiable information, with notice to prior recipients on request.
- Security freeze and fraud alert at no cost under 15 U.S.C. § 1681c-1.
- Identity theft block of information resulting from identity theft under 15 U.S.C. § 1681c-2.
- Statutory retention limits under 15 U.S.C. § 1681c (typically seven (7) years for adverse items and ten (10) years for bankruptcies, subject to statutory exceptions).
- State equivalents, including the California Consumer Credit Reporting Agencies Act, the Maine and Massachusetts Fair Credit Reporting Acts, the New York Fair Credit Reporting Act, and comparable statutes.
7. Summary of Your Rights Under the FCRA
The current version of the Summary of Your Rights Under the Fair Credit Reporting Act issued by the Consumer Financial Protection Bureau is available at files.consumerfinance.gov and is included with every adverse action notice, file disclosure, and dispute response we generate. State-specific supplements are provided where required.
8. Regulatory cooperation and audits
Hub or Dub cooperates with the Consumer Financial Protection Bureau, the Federal Trade Commission, state attorneys general, and equivalent regulators worldwide. Business users of HOD Reports agree to reasonable audit rights sufficient to demonstrate ongoing permissible-purpose compliance, on reasonable advance notice and subject to confidentiality.
9. Contact for consumer reporting matters
Hub or Dub Inc., Consumer Relations, consumers@hubordub.com. Free file disclosures, disputes, and adverse action inquiries: hubordub.com/disputes. Toll-free access channel is provided in every adverse action notice.