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.
North Carolina Request for Disclosure as to Nature and Scope of Investigative Consumer Report
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How to fill out Request For Disclosure As To Nature And Scope Of Investigative Consumer Report?
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FAQ
You should check the accuracy of these reports once a year. The federal Fair Credit Reporting Act (FCRA) covers not only credit reports but many of these other consumer reports. Under the FCRA, consumer reporting agencies (CRAs) must give you a copy of your report if you request it.
As a rule of thumb, the distinction between the two types of investigations can be thought of as simply verifying the specific facts about education, employment or other information the applicant has provided to the employer ("consumer report") versus obtaining more general character or personal information through ...
You can request and review your free report through one of the following ways: Online: Visit AnnualCreditReport.com. Phone: Call (877) 322-8228. Mail: Download and complete the Annual Credit Report Request form. Mail the completed form to:
Disclosure to Consumer is Required Before obtaining a consumer report the employer must first obtain written consent from the consumer (e.g., an applicant). The disclosure to the consumer that a consumer report may be obtained for employment purposes must be stated in clear terms and on a separate form.
Investigative Reports These obligations include giving written notice that you may request or have requested an investigative consumer report, and giving a statement that the person has a right to request additional disclosures and a summary of the scope and substance of the report.
How to get a copy of your credit report Online by visiting AnnualCreditReport.com. By calling 1-877-322-8228 (TTY: 1-800-821-7232) By filling out the Annual Credit Report request form and mailing it to: Annual Credit Report Request Service. PO Box 105281. Atlanta, GA 30348-5281.
Under the Fair Credit Reporting Act (FCRA), you are entitled to a free copy of your consumer disclosure report, upon your request, at a minimum once every 12 months and more frequently under certain conditions.
Under the federal Fair Credit Reporting Act (FCRA) , all consumer reporting companies are required to provide you a copy of the information in your report if you request it.
