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Under section 609(a), a consumer reporting agency must, upon request, clearly and accurately disclose to the consumer “all information in the consumer's file at the time of the request” and “the sources of the information.” This requirement applies to all consumer reporting agencies.

The FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment or insurance. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you (this is called "file disclosure").

Any information that you obtain through backgroundchecks—or any other consumer reporting agency—is similarly regulated under the FCRA legislation. That list includes driving history checks, employment verification checks, civil and history checks.

In addition, when you run background checks through a company in the business of compiling background information, you must comply with the Fair Credit Reporting Act (FCRA). The Federal Trade Commission (FTC) enforces the FCRA.

The Act (Title VI of the Consumer Credit Protection Act) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services. Information in a consumer report cannot be provided to anyone who does not have a purpose specified in the Act.

Section 609 of the FCRA You have the right as a consumer to know the information that a credit bureau — whether that's Experian™, Equifax® or TransUnion® — looks at to generate your credit report. You have the right to request and know about: Information about your credit/files.

A creditor must notify the applicant of adverse action within: 30 days after receiving a complete credit application. 30 days after receiving an incomplete credit application. 30 days after taking action on an existing credit account.

Medical information is defined under the FCRA as: Information or data, whether oral or recorded, in any form or medium, created by or derived from a health care provider or the consumer, that relates to—(A) the past, present, or future physical, mental, or behavioral health or condition of an individual; (B) the ...

Section 612 of the Dodd-Frank Act generally prohibits charter conversions by a national bank or federal savings association to a state bank or state savings association, or by a state bank or state savings association to a national bank or federal savings association, while the institution is subject to a cease and ...