Under the Fair Credit Reporting Act, a consumer reporting agency, on request by and proper identification of the consumer, must clearly and accurately disclose to the consumer:
the nature and substance of certain information in its files on the consumer;
the sources of most of that information;
the recipients of any consumer report on the consumer furnished for employment purposes within the two-year period preceding the request, and for any other purpose within the one-year period preceding the request;
the dates, original payees, and amounts of any checks on which is based any adverse characterization of the consumer, included in the file at the time of the disclosure; and
a record of all inquiries received by the agency during the one-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer.
Delaware Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency
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How to fill out Request For Disclosure Regarding Nature And Substance Of Files Of Consumer Reporting Agency?
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The California Consumer Privacy Act (CCPA) gives consumers the right to request that a business (1) respond to a consumer with a list of the categories or specific pieces of personal information that the business has collected about that consumer (a request to know); (2) delete any personal information that the ...
Information excluded from consumer reports further include: Arrest records more than 7 years old. Items of adverse information, except criminal convictions older than 7 years. Negative credit data, civil judgments, paid tax liens, and/or collections accounts older than 7 years.
Right for Consumers to Opt Out: The Delaware Personal Data Privacy Act permits consumers to opt out of the processing of personal data for the sale of personal data, targeted advertising, and profiling in furtherance of solely automated decisions that produce legal or similarly significant effects concerning a consumer ...
Disclosures to consumers. (a) Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer: (1) The nature and substance of all information (except medical information) in its files on the consumer at the time of the request.
[15 U.S.C. § 1681] (1) The banking system is dependent upon fair and accurate credit report- ing. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Delaware follows the lead of other state privacy laws by requiring that controllers obtain consent for the processing of sensitive personal data. The Delaware law defines sensitive data to include a consumer's ?status as transgender or nonbinary,? which is a departure from other state privacy laws.
The consumer rights provided by all of the state laws are similar. They provide rights of access, correction, portability and deletion, as well as rights to limit processing and to opt out of sales of data, profiling and targeted advertising.
As of January 1, 2023, consumers have new rights in addition to those above, such as: The right to correct inaccurate personal information that a business has about them; and. The right to limit the use and disclosure of sensitive personal information collected about them.
