Under the FCRA, which of the following rights do consumers NOT have?

The correct choice highlights a specific limitation within the rights granted to consumers under the Fair Credit Reporting Act (FCRA). The FCRA provides consumers with several important rights regarding their credit information, including the ability to dispute inaccurate information in writing, inspect information on credit reports, and receive a free copy of their credit report under certain conditions, such as when a consumer has been denied credit or employment.

However, when it comes to the retention period for bankruptcies on credit reports, the FCRA dictates that bankruptcies can remain on a credit report for up to ten years, not five years. The misconception that a consumer can require bankruptcies to be removed after five years stems from confusion surrounding other types of negative information on credit reports, which might fall under different rules. Therefore, option D is not a right specified under the FCRA and accurately reflects a restriction that consumers do not have in relation to the removal of bankruptcy information from their reports.