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.
The Oklahoma Request for Disclosure as to Nature and Scope of Investigative Consumer Report is a legal document that allows individuals to gain a comprehensive understanding of the nature and extent of information collected during an investigative consumer report. This report is usually conducted by a consumer reporting agency and includes information about an individual's character, general reputation, personal characteristics, and mode of living. By requesting this disclosure, individuals in Oklahoma can access important details related to their investigative consumer report, ensuring transparency and fairness in the verification process. This document serves to protect the rights and privacy of individuals while giving them the opportunity to review the collected data. Keywords: Oklahoma, Request for Disclosure, Nature and Scope, Investigative Consumer Report, Consumer Reporting Agency, Character, Reputation, Personal Characteristics, Mode of Living, Transparency, Privacy, Verification Process, Rights. Types of Oklahoma Request for Disclosure as to Nature and Scope of Investigative Consumer Report: 1. Basic Disclosure: This type of request provides a general overview of the investigative consumer report. It includes information on the nature of the report and the specific type of information collected during the investigation. 2. Detailed Disclosure: A more in-depth version of the request that provides additional details about the investigative consumer report. This includes information on the specific sources of data, the duration of the investigation, and any potential adverse actions that may arise from the report. 3. Adverse Action Disclosure: This type of request is made when an individual has faced adverse actions based on the findings of the investigative consumer report. It allows the individual to understand the reasons behind the negative decisions taken and provides an opportunity to challenge any inaccuracies or discrepancies within the report. 4. Disclosure Amendments: In certain situations, individuals may need to request amendments to their investigative consumer reports. This type of request focuses on rectifying any errors, updating outdated information, or removing irrelevant data that may be impacting their reputation or credibility. Keywords: Basic Disclosure, Detailed Disclosure, Adverse Action Disclosure, Disclosure Amendments, Investigative Consumer Report, Sources of Data, Duration, Adverse Actions, Inaccuracies, Rectifying, Updating, Reputation, Credibility.
