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.
Ohio 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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FAQ
The Ohio Consumer Sales Practices Act ("OCSPA" or the "Act") (Ohio Rev. Code § 1345.01 et seq.) is a set of laws that aim to protect consumers from sales practices that are deceptive, unfair, or unconscionable. While the OCSPA serves a legitimate need of protecting consumers, its impact on businesses can be profound.
Section 1345.03 | Unconscionable consumer sales acts or practices. (A) No supplier shall commit an unconscionable act or practice in connection with a consumer transaction. Such an unconscionable act or practice by a supplier violates this section whether it occurs before, during, or after the transaction.
Such other claim might be a breach of contract or warranty claims. It is important to note that the CSPA has a relatively short statute of limitations of two years from the date of the violation whether you know about it or not.
Section 3953.35 | Prohibited conduct regarding loans of $75,000 or less.
No person shall operate a motor vehicle at a speed greater or less than is reasonable or proper, having due regard to the traffic, surface and width of the street or highway, and any other conditions, and no person shall drive any motor vehicle in and upon any street or highway at a greater speed than will permit the ...
House Bill 376, also known as the Ohio Personal Privacy Act, would establish data rights for Ohioans while requiring businesses to adhere to specified data standards. It would primarily apply to businesses with $25 million or more gross revenue in Ohio or businesses that control or process large amounts of data.
Consumer Sales Practices Act (1972) Prohibits sellers from taking advantage of a consumer's illiteracy, mental or physical disability, or inability to understand the terms of a sale. Prohibits sellers from selling a product or service to a consumer they know cannot afford or substantially benefit from the purchase.
