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.
The Utah Request for Disclosure as to Nature and Scope of Investigative Consumer Report is a legal document that enables individuals in Utah to obtain information regarding the nature and extent of an investigative consumer report conducted on them. Investigative consumer reports are generally conducted by consumer reporting agencies to gather information about an individual's character, reputation, personal characteristics, and mode of living. The Utah Request for Disclosure as to Nature and Scope of Investigative Consumer Report serves as a means for individuals to exercise their rights under the Fair Credit Reporting Act (FCRA) and the Utah Credit Reporting Act (UCLA). By submitting this request, individuals can make sure that the information gathered about them is accurate, relevant, and fairly obtained. The document stipulates specific details that should be disclosed by the requesting party. This includes the nature and scope of the investigation conducted, the types of personal information obtained, the sources from which the information was obtained, and whether any other reports were prepared. It also provides individuals the opportunity to identify the specific purposes for which the investigative consumer report was prepared. Different types of Utah Request for Disclosure as to Nature and Scope of Investigative Consumer Report may include: 1. Standard Request: This is the basic form used to request disclosure of the nature and scope of an investigative consumer report. It contains the essential information required for individuals to exercise their rights under the FCRA and UCLA. 2. Specific Purpose Request: This type of request focuses on obtaining information related to a specific purpose for which the investigative consumer report was prepared. For example, if the report was conducted for employment purposes, the request would seek information and details specific to the employment aspect. 3. Adverse Action Request: In cases where an adverse action has been taken against an individual based on the investigative consumer report, this request seeks additional information to understand the basis of the adverse action. It aims to shed light on any inaccuracies or misleading information that may have influenced the decision. It is important to note that the specific types of request forms may vary across different consumer reporting agencies or institutions. Therefore, individuals should always refer to the agency's guidelines or consult legal counsel to ensure the appropriate form is used when requesting disclosure of the investigative consumer report's nature and scope in Utah.
