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Yes, when responding to a file request, the consumer reporting agency must disclose the names of those who have received the consumer's report. This disclosure fosters accountability and transparency in consumer reporting practices. By utilizing the consumer investigative release format, users can better navigate their rights and the usage of their personal data.
If the report is to be used for employment purposes ? or in connection with a credit transaction (except as provided in regulations issued by the banking and credit union regulators) ? the consumer must provide specific written consent and the medical information must be relevant.
A Consumer Statement will not change accurately reported information and is unlikely to impact your credit scores; however, providing details for a lender or creditor to see may help them better evaluate your credit behavior.
A consumer report can contain a wide variety of information including credit history, past bankruptcy, judicial records, employment records, and even online activity. This information can only be accessed with approval from the individual and is highly regulated by the Fair Credit Reporting Act (FCRA).
Employment background checks also are known as consumer reports. They can include information from a variety of sources, including credit reports and criminal records.
(e) The term ?investigative consumer report? means a consumer report or portion thereof in which information on a consumer's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with ...