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.
Rhode Island 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 Rhode Island Access to Public Records Act, first enacted in 1979, is a law that guarantees access to public records of government bodies at all levels in Rhode Island.
Public Record. All records created by public bodies are public records, but not all public records are open to the public. RI General Law § 38-2-2 identifies which types of records are not considered open records.
Deceptive trade practices in the state are dealt with in Rhode Island General Laws, under Title 6, Chapter 13.1. The term 'trade and commerce' is defined in Section 6-13.1-1 to include advertising. Section 6-13.1-2 declares false and fraudulent advertising as a deceptive act or practice which is declared unlawful.
All fifty U.S. states and the District of Columbia also have freedom of information laws that govern the public's access to government records at state and local levels. These laws go by many different names including Sunshine Laws, Public Records Laws, Open Records Laws, etc.
They may be reached at (401) 462-2121. Requests for records may be mailed to the Department of Human Services, Louis Pasteur Building, ATTN: Linda Shumate and Justine Fitzpatrick, 25 Howard Avenue, Cranston, RI 02920, or faxed to (401) 462-6594.
The Access to Public Records Act, or APRA, is a state law that gives individuals the right to see and obtain public records. The law provides guidelines for obtaining access to these records, and also defines which records are subject to public inspection and which are exempt.
It is the policy of the state of Rhode Island that public officials and employees must adhere to the highest standards of ethical conduct, respect the public trust and the rights of all persons, be open, accountable and responsive, avoid the appearance of impropriety, and not use their position for private gain or ...
