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.
A West Virginia Request for Disclosure as to Nature and Scope of Investigative Consumer Report is a document used to obtain detailed information about an investigative consumer report being conducted on an individual. It is essential for individuals to understand the nature and scope of such investigations to protect their rights and privacy. The purpose of this disclosure is to inform the person subject to the investigation about the type of information collected, the sources used, and the extent of the investigation. By receiving this disclosure, individuals gain insight into the potential impact on their personal and professional lives. Keywords for this topic: West Virginia, Request for Disclosure, Nature, Scope, Investigative Consumer Report, types. There are two primary types of West Virginia Request for Disclosure as to Nature and Scope of Investigative Consumer Report: 1. Employment-related investigative consumer reports: This type of disclosure is often required when an individual applies for employment or a promotion. Employers often conduct such investigations to gather information about an applicant's character, reputation, lifestyle, and background. The disclosure for this type of report includes details about the information collected, the specific purpose of the report, and any potential adverse actions that may arise based on its findings. Keywords: Employment-related, hiring process, promotion, character, reputation, lifestyle, background, adverse actions. 2. Tenant screening investigative consumer reports: Landlords and property management companies often utilize these reports to evaluate prospective tenants' rental history, creditworthiness, and general background. The request for disclosure provides individuals with information on the scope of the investigation, including the specific details considered, such as credit reports, eviction records, criminal history, and previous rental references. This helps tenants understand the justification for any adverse decisions related to their lease applications. Keywords: Tenant screening, rental history, creditworthiness, background, credit reports, eviction records, criminal history, rental references, adverse decisions. In conclusion, a West Virginia Request for Disclosure as to Nature and Scope of Investigative Consumer Report is a crucial document that provides individuals with comprehensive details about investigative consumer reports conducted on them. By understanding the nature and scope of these investigations, individuals can protect their rights and make informed decisions regarding their employment or housing opportunities. Disclaimer: This article is for informational purposes only and should not be considered legal advice. Every individual should consult with a legal professional regarding their specific situation.
