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.
Florida Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency is a legal document used in the state of Florida to request information about the nature and substance of consumer files held by a consumer reporting agency. Consumer reporting agencies are organizations that collect and maintain information about consumers, including credit history, employment records, and rental history. This request is made pursuant to the federal Fair Credit Reporting Act (FCRA) and the Florida Consumer Collection Practices Act (FC CPA), which gives consumers the right to access and verify the accuracy of the information held by consumer reporting agencies. The purpose of this request is to ensure that the information contained in these files is accurate and to allow consumers to dispute any errors or inaccuracies. The Florida Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency should include the following information: 1. Consumer's personal information: Full name, current address, social security number, date of birth, and any previous addresses. 2. Details about the consumer reporting agency: Name, address, and contact information of the consumer reporting agency from which the consumer wants to obtain their files. 3. Nature of the request: Clearly state that the request is made pursuant to the FCRA and FC CPA and that the consumer is seeking disclosure of the nature and substance of their files held by the consumer reporting agency. 4. Specific information requested: Clearly state the type of information the consumer wants to obtain, such as credit reports, employment records, rental history, or any other relevant information maintained by the consumer reporting agency. 5. Signature and date: The request must be signed by the consumer and dated. Different types of Florida Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency may include specific requests for: 1. Credit reports: Requesting disclosure of credit history and credit scores maintained by the consumer reporting agency. 2. Employment records: Requesting disclosure of employment history, including job titles, dates of employment, and salary information. 3. Rental history: Requesting disclosure of rental payment history, evictions, and landlord references. 4. Criminal records: Requesting disclosure of any criminal records reported by the consumer reporting agency. 5. Medical records: Requesting disclosure of medical information maintained by the consumer reporting agency, in compliance with HIPAA regulations. It is important to note that the specific content and requirements of a Florida Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency may vary depending on the specific circumstances and the type of information being requested. Consumers should consult with legal professionals or credit reporting experts to ensure that their request conforms to the applicable laws and regulations.
