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 Dakota Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency
Description
How to fill out Request For Disclosure Regarding Nature And Substance Of Files Of Consumer Reporting Agency?
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FAQ
Anyone has the right to access and obtain copies of a public entity's records, regardless of where they live. A request must reasonably identify specific records. The request can be made by any available medium ? such as phone, email, mail ? or in person, and does not have to be in writing.
All public records and meetings shall be presumed open, unless an exemption is properly invoked. The provisions of this chapter shall be liberally construed to promote an increased awareness by all persons of governmental activities and afford every opportunity to citizens to witness the operations of government.
North Dakota has ?sunshine laws,? which make all government records and meetings open to the public unless a specific law authorizes a record to be withheld or a meeting to be closed.
There is a general agreement among North Dakota lawmakers to pass privacy legislation that gives consumers the right to know how data is used, collected, and shared; delete personal information; and opt out of the sharing of personal data that does not have a legitimate purpose.
Anyone has the right to access and obtain copies of a public entity's records, regardless of where they live. A request must reasonably identify specific records. The request can be made by any available medium ? such as phone, email, mail ? or in person, and does not have to be in writing.
The Consumer Protection and Antitrust Division protects North Dakota consumers from misleading, deceptive, or unlawful trade practices in connection with the sale or advertisement of goods or services by enforcing the state's antitrust laws and consumer fraud laws including, among others, false advertising, do-not-call ...
The South Dakota Sunshine Law is a series of laws designed to guarantee that public has access to public records of governmental bodies. Public records are defined as all records kept by public bodies in South Dakota, no matter the physical form.
