Under the FCRA, which of the following is a consumer's right?

The correct answer highlights a key consumer right under the Fair Credit Reporting Act (FCRA). Consumers are entitled to request a free copy of their credit report annually from each of the three major credit reporting agencies—Equifax, Experian, and TransUnion. This provision empowers individuals to stay informed about their credit history, check for inaccuracies or fraud, and better manage their creditworthiness. Access to one free credit report per year helps consumers monitor their financial health without incurring costs, which aligns with the FCRA's mission to promote fair and accurate reporting.

The other choices, while related to credit reporting rights, do not fully align with the protections or rights granted under the FCRA. For example, the ability to limit access to a credit report at all times does not exist; consumers cannot restrict access completely as creditors may need to view it under certain circumstances. Excluding all negative information from a report is not allowed since legitimate negative information can remain on a credit report for a specified period. Lastly, the ability to challenge credit decisions without providing evidence is not a right under the FCRA. While consumers can dispute inaccuracies, they typically bear the responsibility of providing evidence to support their claims during that process.