Kentucky Private Investigator Practice Test

An individual can challenge the accuracy of their information under which act?

1. Fair Credit Reporting Act

2. Privacy Act of 1974

3. Freedom of Information Act

4. Consumer Protection Act

The correct answer is: Privacy Act of 1974

The Privacy Act of 1974 is designed to protect individuals' personal information held by federal agencies and gives individuals the right to access records about themselves. It allows individuals to challenge the accuracy of the information that these agencies may have collected and maintained. Under this act, individuals can request corrections to inaccurate information, ensuring their data is accurately represented and protecting them from potential repercussions related to incorrect information. This mechanism is pivotal for maintaining trust and accountability in how personal data is managed by governmental entities. In contrast, while the Fair Credit Reporting Act focuses on the accuracy of credit reporting information, it specifically pertains to credit reporting agencies and does not broadly cover all personal information. The Freedom of Information Act is primarily concerned with the public's right to access government records, and the Consumer Protection Act focuses on protecting consumers from unfair business practices rather than individual data accuracy in the context of governmental records.