The Fair Credit Reporting Act provides that the consumer, in obtaining disclosure of information in the consumer's file from a consumer reporting agency personally, is permitted to be accompanied by one other person of the consumer's choosing, which person must provide reasonable identification. The act further provides that the consumer reporting agency may require the consumer to furnish a written statement granting permission to the consumer reporting agency to discuss the consumer's file in such person's presence.
Puerto Rico Consent to Discuss Consumer's File in Presence of Third Person
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How to fill out Consent To Discuss Consumer's File In Presence Of Third Person?
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Examples of permissible purposes include subpoenas or court orders, written instructions from the consumer, credit transactions with a consumer, employment purposes with written authorization from a consumer, insurance underwriting purposes, tenant screening, and national security investigations.
15 U.S.C. 1681b(f). FCRA section 607(a) requires that consumer reporting companies, among other things, must require that prospective users of consumer reports ?certify the purposes for which the information is sought, and certify that the information will be used for no other purpose.? 15 U.S.C. 1681e(a).
Duty to Promptly Correct and Update Information. Section 623(a) of the FCRA also requires a person who regularly furnishes information to CRAs to promptly notify a CRA if the person determines the previously furnished information is not complete or accurate.
Section 604(f) prohibits any person from obtaining a consumer report from a consumer reporting agency (CRA) Page 2 unless the person has certified to the CRA the permissible purpose(s) for which the report is being obtained and certifies that the report will not be used for any other purpose.
Permissible purpose defines the circumstances in which the FCRA allows credit reports to be obtained. These purposes are documented in section 604 of the FCRA as: In response to a court order. After receiving permission from the consumer.
15 U.S. Code § 1681s?2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
[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.
Section 623(a)(1)(B). If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute.
