FAQs

Is GIACT a credit reporting agency?

GIACT does not provide credit reports and is not a credit reporting agency.  GIACT is a consumer reporting agency that verifies and authenticates checking and savings accounts and resells reports prepared by third parties.  Such reports may be as limited as providing information about whether an account number is valid and whether the account is open.  GIACT does not assemble or maintain its own data about you for the purpose of preparing consumer reports to be shared with third parties.  For that reason, the information that GIACT’s has about you is limited to archived reports it has obtained from others as a reseller and provided to third parties upon request.

 

What is a Disclosure of Consumer Report Information?

Upon request, GIACT will provide you with a copy of the consumer report information GIACT has about you.  Instructions on how to request a Disclosure of Consumer Report Information can be found at the bottom of this page.  You may call us toll-free at (833) 802-8092 from 8:30 AM – 5 PM CST if you have any questions.

 

Is there a cost to me for receiving my Disclosure of Consumer Report Information?

No. GIACT provides consumers with a Disclosure of Consumer Report Information free of charge upon written request.  For instructions, please see How to Request a Disclosure of Consumer Report Information below.

 

How do I correct information GIACT has about me?

If information reflected within your Disclosure of Consumer Report Information is inaccurate, you may initiate a dispute of the information at no cost by calling us toll-free at (833) 802-8092 from 8:30 AM – 5 PM CST, emailing us at support@giact.com or writing to us at:

 

GIACT Systems, LLC.

Attention: Consumer Resolutions

P.O. Box 1116

Allen, Texas 75013

 

What do I do if I feel I have been a victim of identity theft or fraud?

If you feel you have been a victim of identity theft, please find a copy of the Consumer Financial Protection Bureau’s “Remedying the Effects of Identity Theft” below.

 

The following resources provide more information on preventing identity theft and on steps to take if you are a victim of identity theft:

 

Consumer Financial Protection Bureau

Federal Trade Commission

Identity Theft Resource Center

Remedying the Effects of Identity Theft (PDF)

Summary of Your Rights Under the FCRA (PDF)

How to Request a Disclosure of Consumer Report Information (PDF)