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.
Title: Wyoming Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency Description: A Wyoming Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency is a legal document used by individuals in Wyoming to obtain information about their credit report or any other consumer reports held by a consumer reporting agency. This request aims to promote transparency and accountability in the handling of consumer data, empowering individuals to monitor, verify, and rectify any inaccuracies in their credit reports. Keywords: Wyoming, Request for Disclosure, Nature and Substance, Files, Consumer Reporting Agency, credit report, consumer reports, transparency, accountability, monitor, verify, inaccuracies. Types of Wyoming Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency: 1. Initial Request: This is the initial request made by a consumer to a consumer reporting agency in Wyoming, seeking complete disclosure of the nature and substance of their credit report or any other relevant consumer reports. 2. Follow-up Request: In cases where the consumer reporting agency fails to provide complete or accurate information in response to the initial request, the individual may submit a follow-up request to ensure all relevant details are disclosed. 3. Dispute Request: If the consumer identifies any inaccuracies, discrepancies, or misleading information in their credit report, they can submit a dispute request to the consumer reporting agency. This request demands an investigation to rectify any errors found. 4. Expedited Request: In urgent situations where immediate access to the requested information is crucial, the consumer can submit an expedited request. This type of request typically includes suitable reasons justifying the need for an accelerated response. 5. Annual Request: Individuals have the right to access their credit report once every 12 months. This type of request allows consumers to regularly review their credit report to detect any potential unauthorized activity, errors, or inaccuracies. Remember, it is crucial to consult legal resources or professional advice before drafting and submitting a Wyoming Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency to ensure compliance with all relevant laws and regulations.
