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.
Rhode Island Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency
Description
How to fill out Request For Disclosure Regarding Nature And Substance Of Files Of Consumer Reporting Agency?
US Legal Forms - one of the largest collections of legal documents in the United States - provides a range of legal form templates that you can download or print. Through the site, you can access thousands of forms for business and personal use, organized by categories, states, or keywords. You can find the latest versions of forms like the Rhode Island Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency in moments.
If you have a monthly subscription, Log In and download the Rhode Island Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency from the US Legal Forms library. The Download button will appear on every form you view. You have access to all previously downloaded forms in the My documents section of your account.
If you are using US Legal Forms for the first time, here are simple steps to help you get started: Ensure you have selected the correct form for your city/state. Click the Review button to examine the form's content. Check the form description to confirm you have chosen the right form. If the form does not meet your needs, use the Search field at the top of the screen to find one that does. When you are satisfied with the form, confirm your choice by clicking the Get now button. Then, select the payment plan you prefer and provide your information to register for an account.
Avoid altering or deleting any HTML tags. Only synonymize plain text outside of the HTML tags.
- Complete the purchase. Use your Visa or Mastercard or PayPal account to finalize the transaction.
- Choose the format and download the form to your device.
- Edit the form. Fill out, modify, and print and sign the downloaded Rhode Island Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency.
- Every template you add to your account does not expire and is yours indefinitely. So, if you want to download or print another copy, just go to the My documents section and click on the form you need.
- Gain access to the Rhode Island Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency with US Legal Forms, the most extensive collection of legal document templates.
- Utilize thousands of professional and state-specific templates that fulfill your business or personal needs and requirements.
Form popularity
FAQ
The Rhode Island Access to Public Records Act, first enacted in 1979, is a law that guarantees access to public records of government bodies at all levels in Rhode Island.
Public Record. All records created by public bodies are public records, but not all public records are open to the public. RI General Law § 38-2-2 identifies which types of records are not considered open records.
Deceptive trade practices in the state are dealt with in Rhode Island General Laws, under Title 6, Chapter 13.1. The term 'trade and commerce' is defined in Section 6-13.1-1 to include advertising. Section 6-13.1-2 declares false and fraudulent advertising as a deceptive act or practice which is declared unlawful.
All fifty U.S. states and the District of Columbia also have freedom of information laws that govern the public's access to government records at state and local levels. These laws go by many different names including Sunshine Laws, Public Records Laws, Open Records Laws, etc.
They may be reached at (401) 462-2121. Requests for records may be mailed to the Department of Human Services, Louis Pasteur Building, ATTN: Linda Shumate and Justine Fitzpatrick, 25 Howard Avenue, Cranston, RI 02920, or faxed to (401) 462-6594.
The Access to Public Records Act, or APRA, is a state law that gives individuals the right to see and obtain public records. The law provides guidelines for obtaining access to these records, and also defines which records are subject to public inspection and which are exempt.
It is the policy of the state of Rhode Island that public officials and employees must adhere to the highest standards of ethical conduct, respect the public trust and the rights of all persons, be open, accountable and responsive, avoid the appearance of impropriety, and not use their position for private gain or ...
