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.
Mississippi Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency is a legal document used in Mississippi to request information about an individual's credit history and consumer reports from a consumer reporting agency. It ensures that individuals have the right to access and review the information contained in their credit reports in accordance with the Fair Credit Reporting Act (FCRA). The purpose of this request is to enable individuals to verify the accuracy and completeness of their credit file, as well as to identify any potential errors or discrepancies that could have an adverse impact on their financial reputation. By requesting disclosure, consumers can address any issues and take appropriate steps to correct inaccuracies or mitigate negative information. The Mississippi Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency typically includes the following information: 1. Personal Information: The requester's full name, current address, date of birth, and Social Security number. 2. Specific Request: A clear statement indicating the request for disclosure of the nature and substance of the files held by the consumer reporting agency related to the individual's credit history and consumer reports. 3. Reason for Request: The purpose of the request, such as reviewing creditworthiness for a loan, employment screening, or personal record-keeping. 4. Documents Supporting the Request: Any relevant supporting documents, such as copies of identification (driver's license, passport), utility bills, or other documents that establish identity and residency. Keywords: Mississippi, Request for Disclosure, Nature and Substance, Files, Consumer Reporting Agency, credit history, consumer reports, Fair Credit Reporting Act, accuracy, completeness, potential errors, adverse impact, financial reputation, verify, inaccuracies, negative information, personal information, specific request, reason for request, supporting documents. There are no known variations or different types of Mississippi Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency. This description covers the general aspects of such a request in Mississippi.
