Under the Fair Credit Reporting Act, a person may not procure or cause to be prepared an investigative consumer report on any consumer unless: (1) it is clearly and accurately disclosed to the consumer that an investigative consumer report, including information as to character, general reputation, personal characteristics, and mode of living, whichever is or are applicable, may be made, and such disclosure: (a) is made in a writing mailed, or otherwise delivered, to the consumer not later than three days after the date on which the report was first requested; and (b) includes a statement informing the consumer of the right to request additional disclosures from the person requesting the report and the written summary of rights of the consumer prepared pursuant to ?§ 1681g(c) of the Act; and (2) the person certifies or has certified to the consumer reporting agency that the person has made the proper disclosures to the consumer as required under the Act.
Keywords: Oklahoma, disclosure, investigative consumer report, detailed description, types Description: The Oklahoma Disclosure That Investigative Consumer Report May Be Made is a legal requirement designed to inform individuals about the possibility of an investigative consumer report being conducted on them. This disclosure is typically made by employers, landlords, or other entities that may need to gather information for employment, rental applications, or businesses transactions involving consumers. In the state of Oklahoma, there are various types of disclosure that fall under the category of investigative consumer reports. These reports delve into an individual's personal, educational, criminal, and credit history to provide a comprehensive overview of their background. Let's explore some common types of Oklahoma Disclosure That Investigative Consumer Report May Be Made: 1. Employment Disclosure: When applying for a job, employers in Oklahoma often request an investigative consumer report to evaluate a candidate's qualifications and character. This disclosure notifies applicants that their personal information, such as employment history, educational background, criminal records, and credit information, may be collected and examined for the purpose of assessing their suitability for the position. 2. Tenant Screening Disclosure: Landlords in Oklahoma may require prospective tenants to authorize an investigative consumer report to determine their rental eligibility. This disclosure notifies individuals that their rental application may undergo scrutiny, including factors like past rental payment history, eviction records, criminal background, and creditworthiness. It assists landlords in making informed decisions when selecting tenants. 3. Financial Institutions Disclosure: Oklahoma's financial institutions, such as banks or credit unions, may obtain an investigative consumer report before offering financial services tailored to individuals. This disclosure notifies consumers that their credit history, banking records, employment information, and other relevant data may be assessed to determine their eligibility for loans, mortgage applications, or other financial transactions. 4. Insurance Application Disclosure: When applying for insurance coverage in Oklahoma, individuals may be required to authorize an investigative consumer report. This disclosure alerts applicants that their personal information, medical history, credit scores, and prior insurance claims may be examined to assess insurance risks and determine appropriate premium rates. It is crucial for entities conducting investigative consumer reports in Oklahoma to provide a detailed disclosure statement explaining the purpose, scope, and potential consequences of the report. This fosters transparency and ensures individuals are aware of the report being conducted on them. Overall, the Oklahoma Disclosure That Investigative Consumer Report May Be Made serves to protect both individuals and the entities conducting investigations by establishing clear guidelines and expectations regarding the acquisition and usage of personal information.
