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.
Wake North Carolina is a city located in the state of North Carolina, known for its vibrant atmosphere and diverse community. Wake North Carolina Request for Disclosure as to Nature and Scope of Investigative Consumer Report is an official document that individuals can request in order to obtain detailed information about the nature and extent of an investigative consumer report conducted on them. The purpose of this request is to ensure transparency and allow individuals to understand the scope and nature of the investigation conducted on their personal information. By accessing this report, individuals can be aware of the information gathered, verify its accuracy, and take necessary steps to address any potential inaccuracies or concerns. Keywords: Wake North Carolina, request for disclosure, nature, scope, investigative consumer report, transparency, personal information, accuracy, concerns. Different types of Wake North Carolina Request for Disclosure as to Nature and Scope of Investigative Consumer Report may include: 1. Employment-related investigative consumer report: This type of report is often requested by job applicants or employees to gain insight into the scope and nature of investigations conducted by potential employers. It includes information such as criminal records, credit history, education verification, and references. 2. Tenant screening investigative consumer report: Landlords or property management companies may perform this type of investigation on prospective tenants. The report may include details about rental history, eviction records, credit checks, and criminal background checks. 3. Loan application investigative consumer report: Financial institutions and lending agencies can conduct investigations on individuals who apply for loans, mortgages, or credit cards. This report typically examines credit history, employment verification, income stability, and other relevant financial information. 4. Personal background investigative consumer report: Individuals who wish to gain a comprehensive understanding of the information collected about them can request this report. It may include a wide range of data, such as criminal records, employment history, educational background, and public records. 5. Insurance application investigative consumer report: Insurance companies may conduct investigations on individuals applying for various types of insurance, such as health, life, or auto insurance. The report may focus on medical history, driving records, previous insurance claims, and other relevant factors. It is important to note that the availability and legality of different types of investigative consumer reports may vary depending on local and federal regulations. Individuals should consult relevant authorities or legal professionals to understand their rights and ensure compliance with applicable laws when requesting these reports.
