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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). 13. 15 U.S.C.

A potential employer must get your written permission before accessing your credit report. You must provide written consent to an employer before the employer can request your credit report from a credit bureau. 4. Credit bureaus must investigate disputed information and correct or delete inaccurate information.

For example, when you apply for credit at a financial institution, the institution has a permissible purpose of obtaining your credit report. In this case, specifically, the financial institution does not need written consent.

Under Colorado law, a consumer reporting agency shall, upon written or verbal request and proper identification of any consumer, clearly, accurately, and in a manner that is understandable to the consumer, disclose to the consumer, in writing, all information in its files at the time of the request pertaining to the ...

Section 603(d) defines a consumer report to include information about a consumer such as that which bears on a consumer's creditworthiness, character, and capacity among other factors. Communication of this information may cause a person, including a financial institution, to become a consumer reporting agency.

Under section 609 of the FCRA, a consumer reporting agency must, upon a consumer's request, disclose to the consumer information in the consumer's file.