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Inquiry
LAWDOG is intended to assist in the understanding of basic concepts. See Disclaimer. Always obtain legal advice from legal professionals.
A portion of Section 609 of the Fair Credit Reporting Act, as amended, provides that every consumer reporting agency must, upon request, and upon presentation of proper identification, "clearly and accurately disclose to the consumer"......
"(5)a record of all inquiries received by the agency during the 1-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer".
See Disclosure of File here. Link does not return to this page.
A portion of Section 604 provides that:
"Except as provided in section 609(a)(5), a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by the consumer."
See Duties of Consumer Reporting Agencies here. Link does not return. Portions of Section 604, and Section 609, of the Fair Credit Reporting Act, as amended, are reproduced below for illustration purposes only.
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 are included, for illustration purposes only, under "Fair Credit Reporting Resources", from LAWDOG Credit Reporting Center, or here. Use browser "back" button to return. Read Notices, Caution and Disclaimer.
A Portion of Section
604.......
Permissible purposes of consumer reports
(3) Information regarding inquiries. Except as provided in section 609(a)(5), a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.
A Portion of Section
609......
Disclosures to Consumers
(a) Information on file; sources; report recipients. Every consumer reporting agency shall, upon request, and subject to 610(a)(1), clearly and accurately disclose to the consumer: ...
(5) A record of all inquiries received by the agency during the 1-year period preceding the request that identified the consumer in connection with a credit or insurance transaction that was not initiated by the consumer.
