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.
North Dakota Request for Disclosure as to Nature and Scope of Investigative Consumer Report is a legal document used for obtaining information regarding the content, purpose, and scope of an investigative consumer report conducted on an individual. This report is generally a part of the screening process carried out by employers or organizations to assess an individual's character, reputation, personal characteristics, and mode of living. The disclosure request aims to provide transparency to the subject of the investigative consumer report by ensuring they receive detailed information about the nature and extent of the investigation. By law, individuals are entitled to know the sources of information, the subjects of the report, and how the information was collected. Keywords: North Dakota, Request for Disclosure, Investigative Consumer Report, nature, scope, detailed description, employer, organization, screening process, character, reputation, personal characteristics, mode of living, transparency, information, sources, subjects, collected. There are no specific types of North Dakota Request for Disclosure as to Nature and Scope of Investigative Consumer Report mentioned in the prompt. However, it is crucial to note that the content of the request may vary depending on the specific purpose, such as employment, housing, insurance, or credit, for which the report is being obtained. Thus, the information provided in the request should be tailored to match the intended use.
