Notice of the consumer's right to dispute with the consumer reporting agency
the accuracy or completeness of the report
A consumer reporting agency
(15 USC section 1681a[f]) is "any person which, for monetary fees .
begin strikethrough]No consumer reporting agency
34) The notice must also provide the name, address, and phone number of the consumer reporting agency
furnishing the credit report so the consumer can dispute the report.
from a consumer reporting agency
before authorizing a new account.
A reference verified by an employer is not covered by the FCRA or California law; a reference verified by a consumer reporting agency
FRAUD ALERT: essentially means a statement in a consumer's file at a consumer reporting agency
, that will notify prospective users of a consumer report that the consumer may be a victim of fraud, including identity theft.
In other words, companies will not be required to send notices when sharing information with company affiliates, even for marketing purposes, if the information did not come from a consumer reporting agency
that gathers the information for a fee and for the use of third parties," said Kathleen Jensen, PCI counsel.
The FCRA states that affiliates may share all information without becoming a consumer reporting agency
if they first notify the consumer and offer an "opt out.
The consumer reporting agency
hired to conduct the criminal background check subcontracted this task to a research service, which erroneously reported that Dalton had been convicted of a felony.
A consumer report includes criminal and civil records, driving records, civil lawsuits, reference checks, and any other information obtained by a consumer reporting agency
Before asking a consumer reporting agency
to prepare a report, an employer must 1) disclose to an employee or applicant that a consumer report may be requested, and 2) obtain the individual's written consent.