Under the Fair and Accurate Credit Transactions Act (FACTA)

question 28

Multiple Choice

Under the Fair and Accurate Credit Transactions Act (FACTA) ,

• A)a creditor may not discriminate against a borrower on the basis of race,sex,religion,or age.
• B)a debt collector may not harass or abuse debtors.
• C)a credit card company must promptly investigate and respond to any consumer complaints about a credit card bill.
• D)a consumer has the right to obtain one free credit report every year from each of the three major reporting agencies.

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Definitions:

Emissions Related

Pertains to components or systems in a vehicle that affect the type and amount of pollutants released into the environment.

Hard Code

The practice of embedding specific, often unchangeable data directly into a program's source code.

Diagnostic Trouble Codes

Specific codes generated by a vehicle's on-board diagnostics system indicating issues detected in the vehicle, serving as a guide for troubleshooting.

Freeze Frame Data

Diagnostic information stored by a vehicle's onboard computer at the time a fault is detected, capturing various operational conditions to aid in troubleshooting.