A consumer protection law that regulates the disclosure of consumer credit reports by consumer/credit reporting agencies and establishes procedures for correcting mistaes on ones credit record.If a person's credit report is drawn without their permission, there are significant fines and penalties that will be charged to the person who drew the report.
If there's erroneous information on your credit report, you can dispute the information with the credit bureau. Depending on the nature of the dispute, it may effect your credit score and getting it corrected could help raise your score.