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FACTA Rules Keep Personal Information Private

In 2003, passage of the Fair and Accurate Credit Transaction Act added sections to the federal Fair Credit Reporting Act (FCRA), in an effort to protect the privacy of consumer information and reduce the risk of fraud and identity theft.

Irresponsible information disposal by businesses has been cited in numerous instances of fraud, so FACTA rules include procedures that any individual, agency or business that utilizes consumer reports must follow in regard to proper, acceptable document disposal.

The Disposal Rule applies to:

  • Consumer Reporting Companies
  • Lenders
  • Insurers
  • Employers
  • Landlords
  • Government Agencies
  • Mortgage Brokers
  • Automobile Dealers
  • Attorneys
  • Private Investigators
  • Debt Collectors
  • Individuals who obtain a credit report on prospective nannies, contractors, or tenants
  • Entities that maintain information in consumer reports as part of their role as service providers to other organizations covered by this Rule

*(Source: Federal Trade Commission – ).

PROPER DISPOSAL of documents and electronic files or media prevents unauthorized access or use of information in the consumer report by destroying the information so it cannot be read or reconstructed.

The professionals at EcoShredding safely and securely destroy sensitive documents on-site in our state-of-the-art trucks, so you can rest assured that your business is FACTA compliant, and the consumer information they contained will not be compromised. We handle destruction of paper documents as well as computer hard drives, providing total peace of mind.

You can count on EcoShredding, Atlanta’s Document Shredding Experts. Contact us at 770-490-5607, or online at







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