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.
New Hampshire Request for Disclosure as to Nature and Scope of Investigative Consumer Report is a legal document used in New Hampshire to gather information about an individual's background and personal history. This report is commonly requested by employers, landlords, and financial institutions to assess an applicant's creditworthiness, character, and overall reliability before making a decision. The purpose of this document is to ensure that individuals are fully aware of the nature and extent of the investigative consumer report being conducted on them. By providing detailed information about the scope of the investigation, the individual can make an informed decision regarding their consent to the report. Keywords: New Hampshire, Request for Disclosure, Nature and Scope, Investigative Consumer Report, legal document, background check, personal history, creditworthiness, character, reliability, employers, landlords, financial institutions, consent. Different Types of New Hampshire Request for Disclosure as to Nature and Scope of Investigative Consumer Report: 1. Employment Request for Disclosure: This type of request for disclosure is initiated by employers who want to conduct a comprehensive background check on potential employees. It aims to verify the candidate's employment history, education credentials, criminal records, and other relevant information to determine their suitability for the position. 2. Tenant Screening Request for Disclosure: Landlords and property management companies utilize this variant of Request for Disclosure to investigate prospective tenants. It helps them assess the tenant's rental history, credit rating, eviction records, and any criminal activities that might pose a risk to the property or other occupants. 3. Financial Institution Request for Disclosure: Financial institutions, such as banks or credit unions, often request this type of disclosure before granting credit or extending financial services to individuals. The report provides insights into an individual's credit history, outstanding debts, payment behavior, and other financial aspects relevant to determine creditworthiness. 4. Volunteer Organization Request for Disclosure: Non-profit organizations that rely on volunteers often utilize this form to ensure the safety and security of the vulnerable populations they serve. It allows them to conduct background checks on potential volunteers, looking for criminal records, previous volunteering experience, and any other pertinent information that might affect their eligibility. Note: The mentioned types of New Hampshire Request for Disclosure as to Nature and Scope of Investigative Consumer Report serve as examples, and there may be other variants tailored for specific purposes within the state. Always refer to the relevant state laws and regulations and consult a legal professional for accurate and up-to-date information.
