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Notice To Users Of Consumer Reports - Obligations Of Users Under The...

Orange California Notice To Users Of Consumer Reports - Obligations Of Users Under The FCRA

Name: Orange California Notice To Users Of Consumer Reports - Obligations Of Users Under The FCRA
Brand: US Legal Forms
Rating: 4.66 (299 reviews)

Category:

Federal - Fair Credit Reporting Act

State:

Multi-State

County:

Orange

Control #:

US-FCRA-06

Format:

Instant download

Description

The Fair Credit Reporting Act (FCRA),15 U.S.C. 1681-1681y, requires that this notice be provided to inform users of consumer reports of their legal obligations. The first section of this summary sets forth the responsibilities imposed by the FCRA on all users of consumer reports. The subsequent sections discuss the duties of users of reports that contain specific types of information, or that are used for certain purposes, and the legal consequences of violations.

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FAQ

Consumer Reports is an independent, nonprofit member organization that works side by side with consumers for truth, transparency, and fairness in the marketplace. Consumer Reports works to create a fair and just marketplace for all.

The following are examples of adverse actions employers might take: discharging the worker; demoting the worker; reprimanding the worker; committing harassment; creating a hostile work environment; laying the worker off; failing to hire or promote a worker; blacklisting the worker; transferring the worker to another

If you deny a consumer credit based on information in a consumer report, you must provide an adverse action notice to the consumer. if you grant credit, but on less favorable terms based on information in a consumer report, you must provide a risk-based pricing notice.

Examples of types of information that may qualify as CR include: arrest, convictions, judgements, and bankruptcies; criminal histories, education, and licenses held by consumers; drug tests (if provided by an intermediary to an employer but not when a drug lab provides the result directly to the employer)

What is a Consumer Report? A consumer report contains information about your personal and credit characteristics, character, general reputation, and lifestyle. To be covered by the FCRA, a report must be prepared by a consumer reporting agency (CRA), a business that assembles such reports for other businesses.

The Fair Credit Reporting Act describes the kind of data that the bureaus are allowed to collect. That includes the person's bill payment history, past loans, and current debts.

Your responsibilities include: furnishing information that is accurate and complete, and. investigating consumer disputes about the accuracy of information you provide.

A statement indicating that the account "meets FCRA requirements" may be added if a consumer disputes information on their credit report, but the credit bureau determines that the information is accurate. Additionally, it can be concluded that all information is accurate and under federal regulations.

A credit report will document which accounts are in good standing, if any debts are past due, and other information about your financial history. A credit report, however, is a type of consumer report. A consumer report is a broader report that contains personal identifying information beyond credit.

STATUTORY SCOPE. The FCRA defines a consumer report as any written or oral communication that meets all of the following conditions: 220e It is prepared by a CRA. 220e It bears on a consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living.

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Consumers who are the subjects of such reports are given special rights under the FCRA. (i) If two or more consumers jointly obtain a product or service, a single opt-out notice may be provided to the joint consumers.

Orange California Notice To Users Of Consumer Reports - Obligations Of Users Under The FCRA

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