Which action is NOT a consumer's right under the FCRA?

The correct answer is that receiving free credit monitoring is not a right granted to consumers under the Fair Credit Reporting Act (FCRA). The FCRA provides specific rights aimed at promoting fairness, accuracy, and privacy in the collection, dissemination, and use of consumer information, primarily in the context of credit reporting.

Consumers are entitled to dispute inaccurate information on their credit report, which ensures that they have a mechanism to challenge and rectify errors that may affect their creditworthiness. Additionally, consumers have the right to access their credit report for free at least once a year from each of the major credit reporting agencies, allowing them to review their credit history and ensure its accuracy. Furthermore, they have the right to be informed about who accessed their credit report, providing transparency in how their personal information is being used.

While credit monitoring can be beneficial for consumers to detect potential identity theft or credit report changes, it is not mandated by the FCRA as a fundamental right. Therefore, the right to receive free credit monitoring does not fall within the protections established by the FCRA.