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Certification
LAWDOG is intended to assist in the understanding of basic concepts. See Disclaimer. Always obtain legal advice from legal professionals.
The user of a consumer report must certify that the consumer report will be used for a permissible purpose, and for no other purpose. This certification will usually take the form of a contract between the user and the consumer reporting agency.
If information is deleted from a consumer's file as a result of a dispute by the consumer, the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. See Special Rules For Previously Deleted Items by clicking here. Link does not return to page.
A portion of the FTC Prescribed Notice To Users is reproduced below illustration purposes only.
A portion of the FTC Prescribed Notice To Users
NOTICE TO USERS OF CONSUMER REPORTS:OBLIGATIONS OF USERS UNDER THE FCRA
I. OBLIGATIONS OF ALL USERS OF CONSUMER REPORTS B. Users Must Provide Certifications
Section 604(f) of the FCRA prohibits any person from obtaining a consumer report from a consumer reporting agency (CRA) unless the person has certified to the CRA (by a general or specific certification, as appropriate) the permissible purpose(s) for which the report is being obtained and certifies that the report will not be used for any other purpose.
A copy of The Fair Credit Reporting Act, As Amended, and a copy of the FTC Official Staff Commentary to the Fair Credit Reporting Act, and the FTC Prescribed Notices are included under "Fair Credit Reporting Resources", available from LAWDOG Credit Reporting Center, or here. Use browser return button to return. Read Notices, Caution and Disclaimer.
