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Consumer Protection and Credit

The only truly free credit report. The Fair Credit Reporting Act requires each of the nationwide credit reporting companies — Equifax, Experian, and TransUnion — to provide you with a free copy of your credit report, at your request, once every 12 months. 

National Do-Not-Call List. Those who register here are automatically registered in the Georgia Do-Not-Call List.

Recent scams. File a complaint with the U.S. Consumer Financial Protection Bureau. Topics are: Mortgage, credit card, bank account or service, vehicle, consumer, or student loan, or credit reporting.

Visit the Attorney General of Georgia's Consumer Protection website, which helps Georgians make decisions about buying cars and housing, establishing credit, and handling personal finances. Examples of situations in which a Georgia agency can be helpful are problems with utility companies (Georgia Public Service Commission), many environmental protection issues, and Lemon Law protections. 

Recent recalls from Recalls.gov, a site that offers assistance identifying Federal agencies that handle recalls for many consumer products, including cars, food, cosmetics, and medicines. Search for recall information for products and find out who to contact with complaints.The U.S. Food and Drug Administration's Recalls, Market Withdrawals, & Safety Alerts page covers food and drugs (both for humans and animals) and medical devices.

FTC.gov Find information on making purchases, current frauds and scams, how to make complaints, and contact information for companies and government offices. Send a complaint about a company, an organization, or a business practice to the Federal Trade Commission.

Protect yourself from fraud when considering investing at investor.gov. Also see resources of FINRA, an independent organization authorized by Congress to protect America’s investors.

For questions about banks, see the U.S. Treasury Office of the Comptroller of the Currency's page on Help With My Bank. Covers accounts, loans, or credit cards issued by national banks.

Fair Debt Collection information from the U.S. Federal Trade Commission. Guide on debt collectors from the State of Georgia.

If your concern is with a foreign country, see the econsumer.gov site for information on how you might protect yourself or report a complaint.

Military community, see information from the FTC about help with consumer issues, including fraud and complaints.

Avoid becoming a zombie! Read OnGuard Online to learn ways to protect your computer and its information from internet fraud. Also see Net Cetera on how to talk to your kids about protecting themselves online.

Statistics from the U.S. Federal Trade Commission's Consumer Sentinel Network.

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