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Which of the following actions are specifically prohibited by the Fair Credit Reporting Act? - Asking someone to get another persons customer information using false, fictions or fraudulent statements or using counterfeit, forged, lost or stolen documents.

Buried deep within the FCRA is Section 613, which contains rules about what the hiring company and background check company must follow if the background check reveals any derogatory information that could possibly result in any kind of an “adverse action,” which could include a decision to not hire the applicant.

The Fair Credit Reporting Act (FCRA) , 15 U.S.C. § 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs).

Section 623 of the FCRA and Regulation V generally provide that a furnisher must not furnish inaccurate consumer information to a CRA, and that furnishers must investigate a consumer's dispute that the furnished information is inaccurate or incomplete.

Section 609 of the Fair Credit Reporting Act (FCRA) allows consumers to request their credit file information. It does not guarantee the removal of negative items but requires credit bureaus to verify the accuracy of disputed information.

See15 U.S.C. 1681g(a)(1)(B). The Consumer Credit Reporting Reform Act of 1996 revised FCRA section 609(a) to require that consumers receive all information in the file rather than only the “nature and substance” of the information. Public Law 104-208, 110 Stat.

Sources of Information Under FCRA Section 609(a)(2) Section 609(a) of the FCRA generally requires consumer reporting agencies to, upon request, disclose all information in the consumer's file at the time of the request and the sources of the information.

Fair Credit Reporting Act (Reg V) FCRA is intended to ensure consumer reports are accurate and used for permissible purposes. It creates consumer protections and rights and imposes responsibilities on banks as users of consumer reports and entities furnishing information to the consumer reporting agencies.

Section 609 of the FCRA gives you the right to request both the information in your credit file and the sources of that information. You can use the information you get to validate the accuracy of accounts listed on your credit report.