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

Palm Beach Florida Notice To Users Of Consumer Reports - Obligations Of Users Under The FCRA

Name: Palm Beach Florida 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:

Palm Beach

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

The FCRA is chiefly concerned with the way credit reporting agencies use the information they receive regarding your credit history. The law is intended to protect consumers from misinformation being used against them.

The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity. (c) The term consumer means an individual.

Thus, under the FCRA, certain consumer information will be subject to two opt-out notices, a sharing opt-out notice (Section 603(d)) and a marketing use opt-out notice (Section 624). These two opt-out notices may be consolidated.

The FCRA requires any prospective user of a consumer report, for example, a lender, insurer, landlord, or employer, among others, to have a legally permissible purpose to obtain a report.

Disclosures to consumers. (a) Every consumer reporting agency shall, upon request and proper identification of any consumer, clearly and accurately disclose to the consumer: (1) The nature and substance of all information (except medical information) in its files on the consumer at the time of the request.

The FCRA is not a strict liability statute. An inaccurate consumer report therefore does not automatically result in liability. Instead, the FCRA imposes civil liability for negligent and willful failures to comply with its requirements (15 U.S.C. §§ 1681n, 1681o).

A consumer disclosure is the long version of your credit report that contains all credit inquiries and suppressed information not found in your standard credit report, as well as the normal credit report records of balances, payment history, personal information, etc.

If you report information about consumers to a CRA like a credit bureau, tenant screening company, check verification service, or a medical information service you have legal obligations under the FCRA's Furnisher Rule.

The FCRA gives you the right to be told if information in your credit file is used against you to deny your application for credit, employment or insurance. The FCRA also gives you the right to request and access all the information a consumer reporting agency has about you (this is called "file disclosure").

Information excluded from consumer reports further include: Arrest records more than 7 years old. Items of adverse information, except criminal convictions older than 7 years. Negative credit data, civil judgments, paid tax liens, and/or collections accounts older than 7 years.

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It is the responsibility of the User to fully understand and comply with all of the User's legal obligations under the Federal Fair. Singer Island, FL, 33404.All pending motions are denied as moot. This case is CLOSED. Consumer reporting agencies and users of consumer reports.

Palm Beach Florida Notice To Users Of Consumer Reports - Obligations Of Users Under The FCRA

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What does the FCRA protect consumers from?

What is the definition of consumer under FCRA?

What notices must be given to consumers under the FCRA?

Are consumers subject to FCRA regulations?

What is a consumer reporting agency required to disclose?

Who is liable under the FCRA?

What is a disclosure for consumer reports?

Do consumers have obligations under the FCRA?

What is a file disclosure?

What must be excluded from a consumer report?

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