Published on Wednesday, 30 November -0001 00:00
Your legal rights Are you tired of digging through piles of junk mail to find bills, bank statements, and letters? Are you constantly interrupted by telemarketing calls? If you are, you are not alone. It is estimated that nearly four million tons of junk mail is sent every year-half of which is never opened. The Attorney General's Office offers the following tips for reducing junk mail and telemarketing calls. Telemarketing calls Place your number on the National Do Not Call Registry. The Federal Trade Commission (FTC) maintains a national "do not call" list. You may register up to three phone numbers (including your cell phone number) by visiting www.donotcall.gov or calling (888) 382-1222. Telemarketers covered by the National Do Not Call Registry have up to thirty-one (31) days from the date you register to stop calling you. Not all telemarketing calls are blocked. Some calls are exempt or are not covered by the Do Not Call law. Examples of such calls include: political calls, nonprofits soliciting contributions on their own behalf, and calls from companies that only conduct surveys. In-house do not call lists. Some companies, such as those hired to call on behalf of nonprofits, or those with whom you have an established business relationship, are not required to stop calling you even though your number is on the federal and state do not call registries. These companies must, however, still maintain in-house do not call lists. You must ask each company to be put on its individual in-house do not call list. Once you make such a request, the company must stop calling you. Companies that violate this law and continue to call you may be subject to a fine. Reporting a Violation. To file a complaint or to report a violation, contact the FTC as follows: Federal Trade Commission, Consumer Response Center, 600 Pennsylvania Ave. NW, Washington, D.C. 20580; (877) FTC-HELP; www.ftc.gov/donotcall. 'Do Not Call' scams Calls asking you to confirm your registration on the "Do Not Call" registries by providing personal information or charging you a pre-registration fee are scams. The FTC does not allow private companies or other third parties to "pre-register" consumers. Registration under the Do Not Call law is free and no confirmation of personal information is necessary. Minnesota's "Do Not Call" List. If your number is already registered on the National Do Not Call Registry, you do not need to register with the state list. When you place your name on the national list, you are automatically entered on the state list. To be placed on the state list or to file a complaint for violations of state law, contact the Minnesota Department of Commerce as follows: Minnesota Department of Commerce, 85-7th Place East, Suite 500, St. Paul, Minn. 55101; (800) 921-4110; www.commerce.state.mn.us. Junk mail Stop pre-approved credit card offers. The three major credit bureaus sell lists of individuals who meet certain credit criteria. To remove your name from the generated lists, call the "Opt Out" hotline for the three major credit bureaus Equifax, Experian, and Trans Union at: (888 567-8688 or "Opt Out" online at www.optoutprescreen.com. You may choose to "opt out" of such offers for five years or permanently. If you do choose to "opt out," and decide that you want to receive such offers again, you can "opt in." You may also contact the three credit bureaus directly at: Equifax Options, Marketing Decision Systems, P.O. Box 740123, Atlanta, Ga. 30374-0123; Experian, Attn: Consumer Services Dept., 901 West Bond St., Lincoln, Neb. 68521-3694; TransUnion, Name Removal Option, P.O. Box 505, Woodlyn, Pa. 19094-0505. d "Opt Out" of mailing lists generated by companies with which you do business. Some companies that you do business with sell or trade your name and address unless you specifically request that your information be kept private. In some cases, when you order from a catalog or apply for a credit card, there will be a small box for you to check if you wish to "Opt Out" of its mailing distribution list. If you want to protect your privacy, you should tell companies you do business with not to sell your personal information. Put your name on Direct Marketing Association's Mail Preference Service List. If you wish to "opt out" of DMA mailing lists, send a letter with your complete name (including variations), mailing address, and telephone number, along with a check or money order made out to DMA in the amount of $1 for each name to: Mail Preference Service, Direct Marketing Association, P.O. Box 282, Carmel, N.Y. 10512-0282; online at www.the-dma.org/consumers/consumerassistance. Your name should be removed from DMA member lists for three years. (It may take up to three months for you to see a decrease in the amount of mail you receive.) Remember, this does not eliminate all junk mail. You will continue to receive mail from companies and organizations that do not belong to the DMA. For more information about telemarketing calls and junk mail, contact the Minnesota Attorney General's Office: Office of Minnesota Attorney General, Lori Swanson, 1400 Bremer Tower, 445 Minnesota St., St. Paul, Minn. 55101; (651) 296-3353, (800) 657-3787; www.ag.state.mn.us.