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Third Parties
LAWDOG is intended to assist in the understanding of basic concepts. See Disclaimer. Always obtain legal advice from legal professionals.
Section 604 of the Fair Credit Reporting Act, as amended, prohibits any person from using or obtaining a consumer report for any purpose unless the report is obtained for a purpose for which the consumer report is authorized under Section 604, and the purpose is certified by the user under the requirements of Section 607. Medical Information may not be included in a consumer report unless the consumer specifically and separately authorizes that the report may contain medical information. Special rules apply to investigative consumer reports and reports for employment purposes. See Permissible Purposes here. Link does not return.
A consumer reporting agency must require that the consumer furnish proper identification before disclosing the contents of the consumer file to the consumer. The disclosures required to be made to the consumer must be in writing, but may be made in other forms if authorized by the consumer, and if available from the agency. The disclosure may be made in person, if the consumer appears at the place of business of the consumer reporting agency where disclosures are regularly provided, during normal busienss hours, and upon reasonable notice.
The consumer may be accompanied by one other person. This third party must furnish reasonable identification, and the agency may require that the consumer approve, in writing, discussion of the consumer's file in the presence of this third party. See Disclosure of File To Consumer, linked here. Link does not return to this page.
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 under "Fair Credit Reporting Resources", available from LAWDOG Credit Reporting Center, or here. Use browser return button to return. Read Notices, Caution and Disclaimer.
