The Fair Credit Reporting Act regulates the use of information on a consumer's personal and financial condition. The most typical transaction which this Act would cover would be where a person applies for a personal loan or other consumer credit. Consumer credit is credit for personal, family, or household use, and not for business or commercial transactions. The purpose of the Act is to insure that consumer information obtained and used is done in such a way as to insure its confidentiality, accuracy, relevancy and proper utilization. Credit reporting bureaus are not permitted to disclose information to persons not having a legitimate use for this information. It is a federal crime to obtain or to furnish a credit report for an improper purpose.
Minnesota Complaint by Consumer against Wrongful User of Credit Information
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How to fill out Complaint By Consumer Against Wrongful User Of Credit Information?
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FAQ
The Minnesota Public Utilities Commission's Consumer Affairs Office (CAO) helps resolve disputes between customers and utility companies. You can call the Consumer Affairs Office at 651.296. 0406 or 800.657. 3782 or email at consumer.puc@state.mn.us.
The state Consumer Protection Act provides a remedy for individuals who have been harmed by unfair or deceptive business practices. If you are successful in such a suit you may also recover the costs of bringing suit, including your attorney's fees.
If you have a complaint please refer to Commerce using any of the following: Website: File a complaint with Commerce. Phone: 651-539-1600 or 1-800-657-3602 (8 AM - PM) Fax: 651-539-0105.
How to File a Complaint Contact a Regional Ombudsman for the county the person is in. Use the Regional Map or the Regional Ombudsman by County list. Call the OMHDD: 651-757-1800 or 1-800-657-3506. Email the OMHDD:ombudsman.mhdd@state.mn.us. Fax the OMHDD: 651-797-1950. Send us a letter by US postal mail:
If you are covered by a health carrier that is not an HMO, call the Minnesota Department of Commerce Consumer Response Team at 651- 539-1600 or 1-800-657-3602. Look on the back of your health card to see if these phone numbers are listed there.
Term of Office: At the Pleasure of the Governor Appointed: April 15, 2021 Reappointed: Jan. 2, 2023 Confirmed: Feb. 16, 2023 Commissioner Grace Arnold leads the Minnesota Department of Commerce. She was appointed by Governor Walz in April 2021 and reappointed in January 2023.
Commerce protects the public interest through a broad range of regulations and programs. We oversee more than 40 industry areas in Minnesota and license about 250,000 professionals and businesses to ensure that their services and products are fair, accessible and comply with state laws.
For more than 150 years, the Minnesota Department of Commerce and its predecessor agencies have protected consumer interests and ensured a fair and competitive marketplace in our state. Commerce protects the public interest through a broad range of regulations and programs.