Obligation Of User Of Investigative Consumer Report

by Kevin Gipson, New Orleans Bankruptcy Attorney

What are the obligations of the user of an investigative consumer report?

Just like a lender that denies you credit, or that uses a consumer credit report to reduce your credit, the user of an investigative consumer report, such as landlord, insurer, and employer must provide you with the name of the investigative consumer reporting agency that provided the adverse information.

So, if a landlord uses an investigative consumer report to refuse to rent to you, he must provide you with the name of the investigative consumer reporting agency that was used to make his decision.  The same is true for an insurance company that denies you insurance or charges you a higher premium for insurance, or the employer that denies you employment.

In addition to giving you the name of the source of the investigative consumer report, the user of the report must also provide you with a copy of the report itself.

You are also entitled to a free copy of your investigative report directly from the nationwide specialty consumer reporting agency.

How to get these reports will be discussed in my next article. 

Tagged as: employer, insurer, investigative consumer report, landlord, user

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