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.
Kings New York is a consumer reporting agency that conducts investigations in the form of Investigative Consumer Reports (IRS). These reports are compiled to provide information about individuals and their background for various purposes, such as employment or tenant screening. The Request for Disclosure as to Nature and Scope of Investigative Consumer Report serves as a crucial step in the process, allowing individuals to gain insights into the nature and extent of information gathered about them. By submitting this request, individuals can gain a comprehensive understanding of what will be included in their ICR, thus ensuring transparency and enabling them to address any potential discrepancies or inaccuracies. The disclosure request typically consists of specific information that individuals seek to obtain about their ICR. The nature of the request may vary depending on the purpose of the investigation. For example, an employment-related ICR may focus on employment history, education verification, references, and professional licenses. On the other hand, a tenant screening ICR may primarily delve into previous rental history, character references, and financial stability. It is essential for individuals to be well-informed about the various types of data that can be included in an ICR. Some common categories found in investigative consumer reports may cover criminal records, credit history, civil litigation, driving records, social media activity, and personal interviews with professional and personal references. It is important to note that the specific categories included in an ICR heavily depend on the type and purpose of the investigation. By submitting a Request for Disclosure as to Nature and Scope of Investigative Consumer Report, individuals can gain clarity on the details and sources of the information reported about them. This enables them to ensure accuracy, address any potential inaccuracies or disputes, and ultimately safeguard their reputation and interests. In summary, Kings New York provides Investigative Consumer Reports (IRS) for various purposes such as employment or tenant screening. The Request for Disclosure as to Nature and Scope of Investigative Consumer Report serves as a crucial step to gain insights into the information gathered. The nature and scope of the investigative report can vary depending on the purpose of the investigation, covering categories such as criminal records, credit history, civil litigation, driving records, social media activity, and personal interviews. Submitting this request allows individuals to ensure accuracy, address discrepancies, and protect their reputation and interests.
