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 Tennessee Request for Disclosure as to Nature and Scope of Investigative Consumer Report is a legal document that allows individuals to obtain information regarding the nature and scope of an investigative consumer report conducted on them. This report typically involves gathering information about a person's character, reputation, and personal background. Keywords: Tennessee, Request for Disclosure, Nature and Scope, Investigative Consumer Report, legal document, information, character, reputation, personal background. There are three different types of Tennessee Request for Disclosure as to Nature and Scope of Investigative Consumer Report, namely: 1. Employment Investigative Consumer Report: This type of report is often requested by employers as part of the pre-employment screening process. It aims to assess a candidate's suitability for a specific job position by gathering information related to their employment history, education, criminal records, credit history, and references. 2. Tenant Investigative Consumer Report: Landlords and property management companies commonly request this type of report from prospective tenants. It helps them evaluate the applicant's rental history, creditworthiness, criminal records, and other relevant information to assess their suitability as a renter. 3. Background Investigative Consumer Report: This type of report is usually requested by individuals or organizations for various purposes, such as personal security, legal proceedings, or financial transactions. It provides a comprehensive overview of an individual's background, including information about their criminal records, credit history, employment history, education, and other personal details. In summary, the Tennessee Request for Disclosure as to Nature and Scope of Investigative Consumer Report is a valuable document that enables individuals to obtain detailed information about the nature and extent of an investigative consumer report conducted on them. Whether it is for employment, tenancy, or personal background purposes, this request empowers individuals to understand the information collected and ensure its accuracy.
