Under the Fair and Accurate Credit Transactions Act (FACTA),

	a.	a consumer has the right to obtain one free credit report every year from each of the three major reporting agencies.
	b.	a credit card company must promptly investigate and respond to any consumer complaints about a credit card bill.
	c.	a debt collector may not harass or abuse debtors.
	d.	a creditor may not discriminate against a borrower on the basis of race, sex, religion, or age.