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.
Keyword: King Washington Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency Description: A King Washington Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency is a formal document that allows individuals to obtain information about the nature and substance of their files held by a consumer reporting agency. This request helps individuals gain a better understanding of the information being recorded and reported by the agency, ensuring accuracy and fairness in the credit reporting process. There are several types of King Washington Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency, including: 1. Personal Information Request: This type of request seeks disclosure regarding the personal information held by the consumer reporting agency, including full name, date of birth, social security number, and current address. It helps individuals verify the accuracy of their personal details and detect any potential identity theft. 2. Credit Report Request: This request is specifically related to obtaining a copy of the individual's credit report held by the consumer reporting agency. It outlines the details of the individual's credit history, including credit accounts, payment history, and any negative information such as late payments or bankruptcies. 3. Employment Background Check Request: Individuals applying for jobs may utilize this type of request to acquire information on any employment-related records maintained by the consumer reporting agency. It can include information like previous employment history, educational background, and professional qualifications. 4. Rental History Request: This request focuses on obtaining information about an individual's rental history, including past rental agreements, payment history, and any records of eviction or damages. It is typically utilized by landlords or property management companies during tenant screening. By submitting a King Washington Request for Disclosure Regarding Nature and Substance of Files of Consumer Reporting Agency, individuals can stay informed about the data being collected and shared about them. It empowers individuals to maintain accurate records and take necessary actions to resolve any discrepancies or errors found in the consumer reporting agency's files.
